<ARTICLE> 9
       
                                     
        
<PERIOD-TYPE>                           9-MOS
<FISCAL-YEAR-END>                       DEC-31-1995
<PERIOD-START>                          JAN-1-1995
<PERIOD-END>                            SEP-30-1995
<CASH>                                         137,276
<INT-BEARING-DEPOSITS>                          15,390
<FED-FUNDS-SOLD>                                16,150
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    140,129
<INVESTMENTS-CARRYING>                         140,129
<INVESTMENTS-MARKET>                           140,129
<LOANS>                                      2,068,264
<ALLOWANCE>                                     30,811
<TOTAL-ASSETS>                               2,909,082
<DEPOSITS>                                   2,536,111
<SHORT-TERM>                                    39,718
<LIABILITIES-OTHER>                             37,935
<LONG-TERM>                                     45,566
<COMMON>                                        22,548
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     227,204
<TOTAL-LIABILITIES-AND-EQUITY>               2,909,082
<INTEREST-LOAN>                                134,488
<INTEREST-INVEST>                               22,923
<INTEREST-OTHER>                                 6,921
<INTEREST-TOTAL>                               166,547
<INTEREST-DEPOSIT>                              69,716
<INTEREST-EXPENSE>                              74,005
<INTEREST-INCOME-NET>                           92,542
<LOAN-LOSSES>                                    4,132
<SECURITIES-GAINS>                                (714)
<EXPENSE-OTHER>                                 74,525
<INCOME-PRETAX>                                 34,905
<INCOME-PRE-EXTRAORDINARY>                      23,887
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    23,887
<EPS-PRIMARY>                                      2.66
<EPS-DILUTED>                                      2.66
<YIELD-ACTUAL>                                     4.93
<LOANS-NON>                                      2,494
<LOANS-PAST>                                     3,301
<LOANS-TROUBLED>                                   506
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                28,242
<CHARGE-OFFS>                                    2,695
<RECOVERIES>                                     1,133
<ALLOWANCE-CLOSE>                               30,811
<ALLOWANCE-DOMESTIC>                            30,811
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0