<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