<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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1996
<CASH>                                          74,807
<INT-BEARING-DEPOSITS>                           1,557
<FED-FUNDS-SOLD>                                16,915
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    476,703
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,472,227
<ALLOWANCE>                                     14,665
<TOTAL-ASSETS>                               2,124,869
<DEPOSITS>                                   1,803,170
<SHORT-TERM>                                    88,128
<LIABILITIES-OTHER>                             14,629
<LONG-TERM>                                     33,069
<COMMON>                                        65,700
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     33,293
<OTHER-SE>                                      86,880
<TOTAL-LIABILITIES-AND-EQUITY>               2,124,869
<INTEREST-LOAN>                                 65,606
<INTEREST-INVEST>                               14,192
<INTEREST-OTHER>                                 1,772
<INTEREST-TOTAL>                                81,570
<INTEREST-DEPOSIT>                              36,615
<INTEREST-EXPENSE>                              40,177
<INTEREST-INCOME-NET>                           41,393
<LOAN-LOSSES>                                    1,635
<SECURITIES-GAINS>                                 786
<EXPENSE-OTHER>                                 43,906
<INCOME-PRETAX>                                 18,797
<INCOME-PRE-EXTRAORDINARY>                      18,797
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,718
<EPS-PRIMARY>                                     0.60
<EPS-DILUTED>                                     0.57
<YIELD-ACTUAL>                                    4.24
<LOANS-NON>                                      8,922
<LOANS-PAST>                                     1,103
<LOANS-TROUBLED>                                    76
<LOANS-PROBLEM>                                 30,930
<ALLOWANCE-OPEN>                                14,859
<CHARGE-OFFS>                                    2,865
<RECOVERIES>                                     1,089
<ALLOWANCE-CLOSE>                               14,665
<ALLOWANCE-DOMESTIC>                             4,848
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          9,817