<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 35,478<F1> <INT-BEARING-DEPOSITS> 86,653<F1> <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 496,134<F1> <INVESTMENTS-CARRYING> 89,823<F1> <INVESTMENTS-MARKET> 89,082<F1> <LOANS> 1,038,480<F1> <ALLOWANCE> 15,947<F1><F7> <TOTAL-ASSETS> 3,077,939<F2><F3> <DEPOSITS> 1,253,276<F1> <SHORT-TERM> 182,184<F1> <LIABILITIES-OTHER> 340,367<F4> <LONG-TERM> 901,688<F2> <COMMON> 25,529<F2> <PREFERRED-MANDATORY> 4,000<F2> <PREFERRED> 0 <OTHER-SE> 354,895<F2> <TOTAL-LIABILITIES-AND-EQUITY> 3,077,939<F2> <INTEREST-LOAN> 43,192<F1> <INTEREST-INVEST> 20,778<F1> <INTEREST-OTHER> 2,042<F1> <INTEREST-TOTAL> 66,012<F1> <INTEREST-DEPOSIT> 25,587<F1> <INTEREST-EXPENSE> 36,776<F1> <INTEREST-INCOME-NET> 29,236<F1> <LOAN-LOSSES> 3,399<F1> <SECURITIES-GAINS> 302<F1> <EXPENSE-OTHER> 24,574<F5> <INCOME-PRETAX> 9,528<F2> <INCOME-PRE-EXTRAORDINARY> 5,304<F2> <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,304<F2> <EPS-PRIMARY> 0.23<F2> <EPS-DILUTED> 0.23<F2> <YIELD-ACTUAL> 3.53<F1> <LOANS-NON> 10,641<F1> <LOANS-PAST> 0<F1> <LOANS-TROUBLED> 10,297<F1> <LOANS-PROBLEM> 47,000<F1> <ALLOWANCE-OPEN> 17,659<F1><F7> <CHARGE-OFFS> 2,742<F1><F7> <RECOVERIES> 708<F1><F7> <ALLOWANCE-CLOSE> 15,947<F1><F6><F7> <ALLOWANCE-DOMESTIC> 15,947<F1> <ALLOWANCE-FOREIGN> 0<F1> <ALLOWANCE-UNALLOCATED> 0<F1> <FN> <F1>Balance specific to financial services segment <F2>Consolidated financial statement balance <F3>Includes gas plant in service, net: $1,077,495 <F4>Balance includes consolidated deferred income taxes, accounts payable and other accrued liabilities <F5>Bank specific items including general and administrative expense, goodwill amortization and loss from real estate operations <F6>Bank transferred $3.1 million of its allowance for estimated losses to a separate allowance for credit losses affiliated with debt securities <F7>Includes allowance for credit losses affiliated with real estate acquired through foreclosure </FN>