<ARTICLE> 9
<MULTIPLIER> 1000
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                          33,621
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    320,833
<INVESTMENTS-CARRYING>                         320,833
<INVESTMENTS-MARKET>                           333,608
<LOANS>                                        515,310
<ALLOWANCE>                                      6,699
<TOTAL-ASSETS>                               1,002,444
<DEPOSITS>                                     709,095
<SHORT-TERM>                                   188,200
<LIABILITIES-OTHER>                              9,190
<LONG-TERM>                                        550
<COMMON>                                         4,379
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      9,000
<OTHER-SE>                                      82,580
<TOTAL-LIABILITIES-AND-EQUITY>               1,002,444
<INTEREST-LOAN>                                 23,610
<INTEREST-INVEST>                               14,574
<INTEREST-OTHER>                                    32
<INTEREST-TOTAL>                                38,216
<INTEREST-DEPOSIT>                              12,240
<INTEREST-EXPENSE>                              17,218
<INTEREST-INCOME-NET>                           20,997
<LOAN-LOSSES>                                      853
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 14,155
<INCOME-PRETAX>                                  8,761
<INCOME-PRE-EXTRAORDINARY>                       3,438
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,323
<EPS-PRIMARY>                                     1.89
<EPS-DILUTED>                                     1.89
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0