<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1996 <CASH> 46,984 <INT-BEARING-DEPOSITS> 297 <FED-FUNDS-SOLD> 3,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 200,093 <INVESTMENTS-CARRYING> 215,463 <INVESTMENTS-MARKET> 214,783 <LOANS> 890,324 <ALLOWANCE> 13,348 <TOTAL-ASSETS> 1,396,640 <DEPOSITS> 1,122,435 <SHORT-TERM> 86,990 <LIABILITIES-OTHER> 14,136 <LONG-TERM> 777 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 18,087 <OTHER-SE> 154,215 <TOTAL-LIABILITIES-AND-EQUITY> 1,396,640 <INTEREST-LOAN> 37,644 <INTEREST-INVEST> 12,120 <INTEREST-OTHER> 331 <INTEREST-TOTAL> 50,095 <INTEREST-DEPOSIT> 19,392 <INTEREST-EXPENSE> 21,161 <INTEREST-INCOME-NET> 28,934 <LOAN-LOSSES> 1,541 <SECURITIES-GAINS> 116 <EXPENSE-OTHER> 19,144 <INCOME-PRETAX> 14,058 <INCOME-PRE-EXTRAORDINARY> 14,058 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,888 <EPS-PRIMARY> 1.17 <EPS-DILUTED> 1.17 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0