<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 48,022 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,050 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 521,186 <INVESTMENTS-CARRYING> 521,186 <INVESTMENTS-MARKET> 521,186 <LOANS> 818,522 <ALLOWANCE> 10,086 <TOTAL-ASSETS> 1,433,084 <DEPOSITS> 1,078,853 <SHORT-TERM> 159,983 <LIABILITIES-OTHER> 10,642 <LONG-TERM> 54,889 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 763 <OTHER-SE> 127,954 <TOTAL-LIABILITIES-AND-EQUITY> 1,433,084 <INTEREST-LOAN> 36,073 <INTEREST-INVEST> 16,937 <INTEREST-OTHER> 115 <INTEREST-TOTAL> 53,125 <INTEREST-DEPOSIT> 21,024 <INTEREST-EXPENSE> 26,221 <INTEREST-INCOME-NET> 26,904 <LOAN-LOSSES> 1,408 <SECURITIES-GAINS> 154 <EXPENSE-OTHER> 17,868 <INCOME-PRETAX> 11,305 <INCOME-PRE-EXTRAORDINARY> 11,305 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,898 <EPS-PRIMARY> 1.31 <EPS-DILUTED> 1.31 <YIELD-ACTUAL> 4.25 <LOANS-NON> 4,626 <LOANS-PAST> 5,117 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,200 <ALLOWANCE-OPEN> 10,087 <CHARGE-OFFS> 1,805 <RECOVERIES> 396 <ALLOWANCE-CLOSE> 10,086 <ALLOWANCE-DOMESTIC> 10,086 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0