<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC
Form 10-Q and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                           53232
<INT-BEARING-DEPOSITS>                             296
<FED-FUNDS-SOLD>                                 15000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                       4288
<INVESTMENTS-CARRYING>                          250693
<INVESTMENTS-MARKET>                            251589
<LOANS>                                         616218
<ALLOWANCE>                                    (13254)
<TOTAL-ASSETS>                                  955650
<DEPOSITS>                                      827873
<SHORT-TERM>                                      8081
<LIABILITIES-OTHER>                              11420
<LONG-TERM>                                      39843
<COMMON>                                           145
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       68288
<TOTAL-LIABILITIES-AND-EQUITY>                  955650
<INTEREST-LOAN>                                  27053
<INTEREST-INVEST>                                 8144
<INTEREST-OTHER>                                   177
<INTEREST-TOTAL>                                 35374
<INTEREST-DEPOSIT>                               11812
<INTEREST-EXPENSE>                               13763
<INTEREST-INCOME-NET>                            21611
<LOAN-LOSSES>                                      500
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  19550
<INCOME-PRETAX>                                   7318
<INCOME-PRE-EXTRAORDINARY>                        7318
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      5012
<EPS-PRIMARY>                                     0.34
<EPS-DILUTED>                                     0.34
<YIELD-ACTUAL>                                    8.15
<LOANS-NON>                                       6029
<LOANS-PAST>                                      6552
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 13719
<CHARGE-OFFS>                                   (1820)
<RECOVERIES>                                       855
<ALLOWANCE-CLOSE>                                13254
<ALLOWANCE-DOMESTIC>                             13254
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0