<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 123299 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 56000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 9473 <INVESTMENTS-MARKET> 9620 <LOANS> 1041476 <ALLOWANCE> 24849 <TOTAL-ASSETS> 1521081 <DEPOSITS> 1338460 <SHORT-TERM> 21927 <LIABILITIES-OTHER> 22960 <LONG-TERM> 1000 <COMMON> 8574 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 128160 <TOTAL-LIABILITIES-AND-EQUITY> 1521081 <INTEREST-LOAN> 96569 <INTEREST-INVEST> 16765 <INTEREST-OTHER> 1914 <INTEREST-TOTAL> 115248 <INTEREST-DEPOSIT> 47381 <INTEREST-EXPENSE> 49822 <INTEREST-INCOME-NET> 65426 <LOAN-LOSSES> 3950 <SECURITIES-GAINS> 198 <EXPENSE-OTHER> 60805 <INCOME-PRETAX> 30648 <INCOME-PRE-EXTRAORDINARY> 30648 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 20885 <EPS-PRIMARY> 2.53 <EPS-DILUTED> 2.52 <YIELD-ACTUAL> 4.78 <LOANS-NON> 9317 <LOANS-PAST> 993 <LOANS-TROUBLED> 2463 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 19099 <CHARGE-OFFS> 5297 <RECOVERIES> 2962 <ALLOWANCE-CLOSE> 24849 <ALLOWANCE-DOMESTIC> 24849 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0