<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                          45,771
<INT-BEARING-DEPOSITS>                             647
<FED-FUNDS-SOLD>                                13,750
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    427,112
<INVESTMENTS-CARRYING>                         463,951
<INVESTMENTS-MARKET>                           471,191
<LOANS>                                        834,634
<ALLOWANCE>                                     14,914
<TOTAL-ASSETS>                               1,885,372
<DEPOSITS>                                   1,177,858
<SHORT-TERM>                                    94,356
<LIABILITIES-OTHER>                            551,961
<LONG-TERM>                                      5,061
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,334
<OTHER-SE>                                     136,158
<TOTAL-LIABILITIES-AND-EQUITY>               1,885,372
<INTEREST-LOAN>                                 71,153
<INTEREST-INVEST>                               56,147
<INTEREST-OTHER>                                   445
<INTEREST-TOTAL>                               129,715
<INTEREST-DEPOSIT>                              45,403
<INTEREST-EXPENSE>                              73,568
<INTEREST-INCOME-NET>                           58,117
<LOAN-LOSSES>                                      285
<SECURITIES-GAINS>                                 702
<EXPENSE-OTHER>                                 50,557
<INCOME-PRETAX>                                 21,848
<INCOME-PRE-EXTRAORDINARY>                      21,848
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-PRIMARY>                                     2.88
<EPS-DILUTED>                                     2.87
<YIELD-ACTUAL>                                    7.77
<LOANS-NON>                                      7,517
<LOANS-PAST>                                       995
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                15,590
<CHARGE-OFFS>                                    1,300
<RECOVERIES>                                       681
<ALLOWANCE-CLOSE>                               14,914
<ALLOWANCE-DOMESTIC>                            14,914
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          7,471