<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 48,628 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,855 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 206,608 <INVESTMENTS-CARRYING> 383,194 <INVESTMENTS-MARKET> 384,324 <LOANS> 825,843 <ALLOWANCE> 10,401 <TOTAL-ASSETS> 1,296,489 <DEPOSITS> 1,037,594 <SHORT-TERM> 104,870 <LIABILITIES-OTHER> 11,206 <LONG-TERM> 22,831 <COMMON> 727 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 119,261 <TOTAL-LIABILITIES-AND-EQUITY> 1,296,489 <INTEREST-LOAN> 34,959 <INTEREST-INVEST> 12,416 <INTEREST-OTHER> 364 <INTEREST-TOTAL> 47,739 <INTEREST-DEPOSIT> 20,556 <INTEREST-EXPENSE> 24,147 <INTEREST-INCOME-NET> 23,592 <LOAN-LOSSES> 1,080 <SECURITIES-GAINS> (24) <EXPENSE-OTHER> 18,092 <INCOME-PRETAX> 7,850 <INCOME-PRE-EXTRAORDINARY> 7,850 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,707 <EPS-PRIMARY> .99 <EPS-DILUTED> .99 <YIELD-ACTUAL> 4.22 <LOANS-NON> 3,878 <LOANS-PAST> 3,067 <LOANS-TROUBLED> 348 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,646 <CHARGE-OFFS> 1,275 <RECOVERIES> 950 <ALLOWANCE-CLOSE> 10,401 <ALLOWANCE-DOMESTIC> 10,401 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0