<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC
Form 10-K and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           67354
<INT-BEARING-DEPOSITS>                             296
<FED-FUNDS-SOLD>                                 13000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      32628
<INVESTMENTS-CARRYING>                          230358
<INVESTMENTS-MARKET>                            230871
<LOANS>                                         628141
<ALLOWANCE>                                    (12088)
<TOTAL-ASSETS>                                  987589
<DEPOSITS>                                      871085
<SHORT-TERM>                                      8091
<LIABILITIES-OTHER>                              10998
<LONG-TERM>                                      24843
<COMMON>                                           145
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       72427
<TOTAL-LIABILITIES-AND-EQUITY>                  987589
<INTEREST-LOAN>                                  55870
<INTEREST-INVEST>                                16178
<INTEREST-OTHER>                                   983
<INTEREST-TOTAL>                                 73031
<INTEREST-DEPOSIT>                               26042
<INTEREST-EXPENSE>                               29143
<INTEREST-INCOME-NET>                            43888
<LOAN-LOSSES>                                     1000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  39252
<INCOME-PRETAX>                                  15116
<INCOME-PRE-EXTRAORDINARY>                       15116
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     10387
<EPS-PRIMARY>                                     0.71
<EPS-DILUTED>                                     0.71
<YIELD-ACTUAL>                                    8.27
<LOANS-NON>                                       4718
<LOANS-PAST>                                      5271
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 13719
<CHARGE-OFFS>                                   (4082)
<RECOVERIES>                                      1451
<ALLOWANCE-CLOSE>                                12088
<ALLOWANCE-DOMESTIC>                             12088
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0