<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                          44,337
<INT-BEARING-DEPOSITS>                          61,189
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     96,917
<INVESTMENTS-CARRYING>                         259,795
<INVESTMENTS-MARKET>                           258,866
<LOANS>                                        994,599
<ALLOWANCE>                                     20,471
<TOTAL-ASSETS>                               1,400,458
<DEPOSITS>                                   1,122,959
<SHORT-TERM>                                    42,777
<LIABILITIES-OTHER>                             17,179
<LONG-TERM>                                     87,892
<COMMON>                                         6,555
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     123,096
<TOTAL-LIABILITIES-AND-EQUITY>               1,400,458
<INTEREST-LOAN>                                 68,601
<INTEREST-INVEST>                               10,529
<INTEREST-OTHER>                                 1,792
<INTEREST-TOTAL>                                80,922
<INTEREST-DEPOSIT>                              27,260
<INTEREST-EXPENSE>                              33,550
<INTEREST-INCOME-NET>                           47,372
<LOAN-LOSSES>                                    2,475
<SECURITIES-GAINS>                                  25
<EXPENSE-OTHER>                                 35,301
<INCOME-PRETAX>                                 17,677
<INCOME-PRE-EXTRAORDINARY>                      17,677
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,676
<EPS-PRIMARY>                                     2.04
<EPS-DILUTED>                                     2.04
<YIELD-ACTUAL>                                    8.44
<LOANS-NON>                                      4,820
<LOANS-PAST>                                     6,447
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<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                18,296
<CHARGE-OFFS>                                      561
<RECOVERIES>                                       261
<ALLOWANCE-CLOSE>                               20,471
<ALLOWANCE-DOMESTIC>                             9,771
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         10,700