<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
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<INVESTMENTS-HELD-FOR-SALE>                     29,610
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<INVESTMENTS-MARKET>                           139,364
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<TOTAL-ASSETS>                                 713,262
<DEPOSITS>                                     583,538
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<LONG-TERM>                                     12,144
<COMMON>                                        18,387
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<INTEREST-EXPENSE>                              16,468
<INTEREST-INCOME-NET>                           29,259
<LOAN-LOSSES>                                    2,050
<SECURITIES-GAINS>                                 130
<EXPENSE-OTHER>                                 38,415
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