<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> MAR-31-1995 <CASH> 130,745 <INT-BEARING-DEPOSITS> 8,266 <FED-FUNDS-SOLD> 49,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 137,738 <INVESTMENTS-CARRYING> 137,508 <INVESTMENTS-MARKET> 137,738 <LOANS> 1,863,048 <ALLOWANCE> 28,780 <TOTAL-ASSETS> 2,791,532 <DEPOSITS> 2,445,850 <SHORT-TERM> 31,864 <LIABILITIES-OTHER> 36,016 <LONG-TERM> 47,037 <COMMON> 22,045 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 208,720 <TOTAL-LIABILITIES-AND-EQUITY> 2,791,532 <INTEREST-LOAN> 42,255 <INTEREST-INVEST> 9,630 <INTEREST-OTHER> 625 <INTEREST-TOTAL> 52,510 <INTEREST-DEPOSIT> 21,111 <INTEREST-EXPENSE> 22,513 <INTEREST-INCOME-NET> 29,997 <LOAN-LOSSES> 1,176 <SECURITIES-GAINS> (15) <EXPENSE-OTHER> 25,457 <INCOME-PRETAX> 10,426 <INCOME-PRE-EXTRAORDINARY> 7,041 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,041 <EPS-PRIMARY> 0.80 <EPS-DILUTED> 0.80 <YIELD-ACTUAL> 5.08 <LOANS-NON> 1,275 <LOANS-PAST> 3,035 <LOANS-TROUBLED> 1,282 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 28,142 <CHARGE-OFFS> 800 <RECOVERIES> 262 <ALLOWANCE-CLOSE> 28,780 <ALLOWANCE-DOMESTIC> 28,780 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0