<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition, the Consolidated Statement of Earnings and
Management's Discussion/Analysis and Statistical Information and is qualified in
its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1995
<CASH>                                         102,600
<INT-BEARING-DEPOSITS>                           3,372
<FED-FUNDS-SOLD>                                72,558
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    474,639
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,475,651
<ALLOWANCE>                                     14,859
<TOTAL-ASSETS>                               2,204,751
<DEPOSITS>                                   1,860,142
<SHORT-TERM>                                    87,548
<LIABILITIES-OTHER>                             13,818
<LONG-TERM>                                     48,405
<COMMON>                                        64,975
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     35,569
<OTHER-SE>                                      94,294
<TOTAL-LIABILITIES-AND-EQUITY>               2,204,751
<INTEREST-LOAN>                                130,300
<INTEREST-INVEST>                               28,415
<INTEREST-OTHER>                                 3,828
<INTEREST-TOTAL>                               162,543
<INTEREST-DEPOSIT>                              72,527
<INTEREST-EXPENSE>                              80,316
<INTEREST-INCOME-NET>                           82,227
<LOAN-LOSSES>                                    3,002
<SECURITIES-GAINS>                                 350
<EXPENSE-OTHER>                                 78,416
<INCOME-PRETAX>                                 36,764
<INCOME-PRE-EXTRAORDINARY>                      36,764
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    24,967
<EPS-PRIMARY>                                     1.16
<EPS-DILUTED>                                     1.11
<YIELD-ACTUAL>                                    4.23
<LOANS-NON>                                      8,499
<LOANS-PAST>                                     1,253
<LOANS-TROUBLED>                                    79
<LOANS-PROBLEM>                                 32,715
<ALLOWANCE-OPEN>                                14,722
<CHARGE-OFFS>                                    4,379
<RECOVERIES>                                     1,478
<ALLOWANCE-CLOSE>                               14,859
<ALLOWANCE-DOMESTIC>                             7,862
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,997