<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                          45,970
<INT-BEARING-DEPOSITS>                          40,132
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     4
<INVESTMENTS-HELD-FOR-SALE>                     93,403
<INVESTMENTS-CARRYING>                         249,659
<INVESTMENTS-MARKET>                           248,636
<LOANS>                                      1,019,060
<ALLOWANCE>                                     19,867
<TOTAL-ASSETS>                               1,395,097
<DEPOSITS>                                   1,103,277
<SHORT-TERM>                                    63,000
<LIABILITIES-OTHER>                             13,959
<LONG-TERM>                                     86,669
<COMMON>                                         6,552
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     120,705
<TOTAL-LIABILITIES-AND-EQUITY>               1,395,097
<INTEREST-LOAN>                                 45,350
<INTEREST-INVEST>                                6,920
<INTEREST-OTHER>                                 1,152
<INTEREST-TOTAL>                                53,422
<INTEREST-DEPOSIT>                              17,671
<INTEREST-EXPENSE>                              21,958
<INTEREST-INCOME-NET>                           31,464
<LOAN-LOSSES>                                    1,650
<SECURITIES-GAINS>                                  25
<EXPENSE-OTHER>                                 23,706
<INCOME-PRETAX>                                 11,534
<INCOME-PRE-EXTRAORDINARY>                      11,534
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,965
<EPS-PRIMARY>                                     0.67
<EPS-DILUTED>                                     0.67
<YIELD-ACTUAL>                                    8.38
<LOANS-NON>                                      3,696
<LOANS-PAST>                                    10,092
<LOANS-TROUBLED>                                 5,974
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                18,296
<CHARGE-OFFS>                                      295
<RECOVERIES>                                       216
<ALLOWANCE-CLOSE>                               19,867
<ALLOWANCE-DOMESTIC>                            10,867
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          9,000