<ARTICLE>                           9
       
                                          
<PERIOD-TYPE>                                3-MOS
<FISCAL-YEAR-END>                            DEC-31-1995
<PERIOD-END>                                 MAR-31-1995
<CASH>                                             48,289
<INT-BEARING-DEPOSITS>                          1,717,289
<FED-FUNDS-SOLD>                                  192,000
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                       226,972
<INVESTMENTS-CARRYING>                            337,952
<INVESTMENTS-MARKET>                              334,633
<LOANS>                                         1,164,270
<ALLOWANCE>                                        41,623
<TOTAL-ASSETS>                                  2,000,262
<DEPOSITS>                                      1,816,074
<SHORT-TERM>                                       14,029
<LIABILITIES-OTHER>                                27,316
<LONG-TERM>                                             0
<COMMON>                                           15,069
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<OTHER-SE>                                        127,774
<TOTAL-LIABILITIES-AND-EQUITY>                  2,000,262
<INTEREST-LOAN>                                    26,005
<INTEREST-INVEST>                                  12,099
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                   38,104
<INTEREST-DEPOSIT>                                 16,994
<INTEREST-EXPENSE>                                 17,210
<INTEREST-INCOME-NET>                              20,894
<LOAN-LOSSES>                                       3,573
<SECURITIES-GAINS>                                    211
<EXPENSE-OTHER>                                    11,751
<INCOME-PRETAX>                                     9,019
<INCOME-PRE-EXTRAORDINARY>                          9,019
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        5,905
<EPS-PRIMARY>                                        0.40
<EPS-DILUTED>                                        0.40
<YIELD-ACTUAL>                                        449
<LOANS-NON>                                        13,746
<LOANS-PAST>                                        4,282
<LOANS-TROUBLED>                                    1,131
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                   38,851
<CHARGE-OFFS>                                       1,479
<RECOVERIES>                                          678
<ALLOWANCE-CLOSE>                                  41,623
<ALLOWANCE-DOMESTIC>                                    0
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                            41,623