<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition, Consolidated Statement of Earnings and
Management's Discussion and Analysis of Financial Condition and Results of
Operations and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               SEP-30-1995
<CASH>                                          68,277
<INT-BEARING-DEPOSITS>                           4,873
<FED-FUNDS-SOLD>                                73,667
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    231,131
<INVESTMENTS-CARRYING>                         231,160
<INVESTMENTS-MARKET>                           230,515
<LOANS>                                      1,452,722
<ALLOWANCE>                                     15,014
<TOTAL-ASSETS>                               2,152,507
<DEPOSITS>                                   1,803,322
<SHORT-TERM>                                    93,579
<LIABILITIES-OTHER>                             13,423
<LONG-TERM>                                     50,246
<COMMON>                                        64,804
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     36,160
<OTHER-SE>                                      91,313
<TOTAL-LIABILITIES-AND-EQUITY>               2,152,507
<INTEREST-LOAN>                                 96,896
<INTEREST-INVEST>                               21,436
<INTEREST-OTHER>                                 2,511
<INTEREST-TOTAL>                               120,843
<INTEREST-DEPOSIT>                              53,422
<INTEREST-EXPENSE>                              59,334
<INTEREST-INCOME-NET>                           61,509
<LOAN-LOSSES>                                    2,008
<SECURITIES-GAINS>                                 142
<EXPENSE-OTHER>                                 57,624
<INCOME-PRETAX>                                 27,720
<INCOME-PRE-EXTRAORDINARY>                      27,720
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    18,763
<EPS-PRIMARY>                                      .87
<EPS-DILUTED>                                      .83
<YIELD-ACTUAL>                                    4.26
<LOANS-NON>                                      9,233
<LOANS-PAST>                                     1,408
<LOANS-TROUBLED>                                    81
<LOANS-PROBLEM>                                 33,989
<ALLOWANCE-OPEN>                                14,722
<CHARGE-OFFS>                                    2,905
<RECOVERIES>                                     1,153
<ALLOWANCE-CLOSE>                               15,014
<ALLOWANCE-DOMESTIC>                            15,014
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          8,211