<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 40,596 <INT-BEARING-DEPOSITS> 757 <FED-FUNDS-SOLD> 41,025 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 305,714 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 621,539 <ALLOWANCE> 7,702 <TOTAL-ASSETS> 1,037,509 <DEPOSITS> 862,023 <SHORT-TERM> 0 <LIABILITIES-OTHER> 54,146 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,458 <OTHER-SE> 119,881 <TOTAL-LIABILITIES-AND-EQUITY> 1,037,509 <INTEREST-LOAN> 55,018 <INTEREST-INVEST> 17,252 <INTEREST-OTHER> 1,318 <INTEREST-TOTAL> 73,588 <INTEREST-DEPOSIT> 31,354 <INTEREST-EXPENSE> 34,510 <INTEREST-INCOME-NET> 39,078 <LOAN-LOSSES> 1,543 <SECURITIES-GAINS> (60) <EXPENSE-OTHER> 25,585 <INCOME-PRETAX> 20,138 <INCOME-PRE-EXTRAORDINARY> 13,233 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 13,233 <EPS-BASIC> 1.15 <EPS-DILUTED> 1.14 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7481 <CHARGE-OFFS> 1618 <RECOVERIES> 296 <ALLOWANCE-CLOSE> 7912 <ALLOWANCE-DOMESTIC> 7912 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0