<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30,
1995, CONSOLIDATED BALANCE SHEET, AND THE JUNE 30, 1995, CONSOLIDATED 
STATEMENT OF EARNINGS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 
FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                          76,881
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 5,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    197,113
<INVESTMENTS-CARRYING>                          19,729
<INVESTMENTS-MARKET>                            20,128
<LOANS>                                        475,993
<ALLOWANCE>                                      8,880
<TOTAL-ASSETS>                                 812,670
<DEPOSITS>                                     706,003
<SHORT-TERM>                                    27,849
<LIABILITIES-OTHER>                              6,488
<LONG-TERM>                                        485
<COMMON>                                        32,638
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      39,207
<TOTAL-LIABILITIES-AND-EQUITY>                 812,670
<INTEREST-LOAN>                                 24,672
<INTEREST-INVEST>                                6,714
<INTEREST-OTHER>                                    48
<INTEREST-TOTAL>                                31,434
<INTEREST-DEPOSIT>                               6,641
<INTEREST-EXPENSE>                               7,687
<INTEREST-INCOME-NET>                           23,747
<LOAN-LOSSES>                                    1,575
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 17,601
<INCOME-PRETAX>                                  8,877
<INCOME-PRE-EXTRAORDINARY>                       8,877
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,188
<EPS-PRIMARY>                                     0.61
<EPS-DILUTED>                                     0.61
<YIELD-ACTUAL>                                    6.85
<LOANS-NON>                                     10,364
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                15,604
<LOANS-PROBLEM>                                  1,346
<ALLOWANCE-OPEN>                                 9,471
<CHARGE-OFFS>                                    2,248
<RECOVERIES>                                        82
<ALLOWANCE-CLOSE>                                8,880
<ALLOWANCE-DOMESTIC>                             5,053
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,827