<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <CASH> 48,473 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 221,428 <INVESTMENTS-CARRYING> 180,923 <INVESTMENTS-MARKET> 400,924 <LOANS> 807,042 <ALLOWANCE> 9,875 <TOTAL-ASSETS> 1,292,414 <DEPOSITS> 1,024,699 <SHORT-TERM> 116,767 <LIABILITIES-OTHER> 10,342 <LONG-TERM> 23,737 <COMMON> 693 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 116,176 <TOTAL-LIABILITIES-AND-EQUITY> 1,292,414 <INTEREST-LOAN> 17,010 <INTEREST-INVEST> 6,226 <INTEREST-OTHER> 191 <INTEREST-TOTAL> 23,427 <INTEREST-DEPOSIT> 9,932 <INTEREST-EXPENSE> 11,832 <INTEREST-INCOME-NET> 11,595 <LOAN-LOSSES> 540 <SECURITIES-GAINS> 6 <EXPENSE-OTHER> 8,988 <INCOME-PRETAX> 3,746 <INCOME-PRE-EXTRAORDINARY> 3,746 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,720 <EPS-PRIMARY> .49 <EPS-DILUTED> .49 <YIELD-ACTUAL> 4.17 <LOANS-NON> 3,416 <LOANS-PAST> 2,312 <LOANS-TROUBLED> 217 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,646 <CHARGE-OFFS> 954 <RECOVERIES> 643 <ALLOWANCE-CLOSE> 9,875 <ALLOWANCE-DOMESTIC> 9,875 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0