<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1996 <CASH> 60,570 <INT-BEARING-DEPOSITS> 297 <FED-FUNDS-SOLD> 29,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 249,828 <INVESTMENTS-CARRYING> 249,270 <INVESTMENTS-MARKET> 249,686 <LOANS> 965,783 <ALLOWANCE> 14,597 <TOTAL-ASSETS> 1,600,789 <DEPOSITS> 1,271,512 <SHORT-TERM> 92,455 <LIABILITIES-OTHER> 21,599 <LONG-TERM> 5,777 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 21,608 <OTHER-SE> 192,818 <TOTAL-LIABILITIES-AND-EQUITY> 1,600,789 <INTEREST-LOAN> 60,046 <INTEREST-INVEST> 22,305 <INTEREST-OTHER> 1,293 <INTEREST-TOTAL> 83,644 <INTEREST-DEPOSIT> 33,010 <INTEREST-EXPENSE> 35,723 <INTEREST-INCOME-NET> 47,921 <LOAN-LOSSES> 2,848 <SECURITIES-GAINS> (51) <EXPENSE-OTHER> 31,446 <INCOME-PRETAX> 22,328 <INCOME-PRE-EXTRAORDINARY> 22,328 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 16,073 <EPS-PRIMARY> 1.58 <EPS-DILUTED> 1.58 <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