<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
company's quarterly report on Form 10-Q for the three months ended June 30, 1996
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          15,491
<INT-BEARING-DEPOSITS>                           3,683
<FED-FUNDS-SOLD>                                   700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    303,485
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        945,254
<ALLOWANCE>                                      7,465
<TOTAL-ASSETS>                               1,327,178
<DEPOSITS>                                     946,632
<SHORT-TERM>                                   103,063
<LIABILITIES-OTHER>                              8,779
<LONG-TERM>                                    181,780
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        26,908
<OTHER-SE>                                      60,016
<TOTAL-LIABILITIES-AND-EQUITY>               1,327,178
<INTEREST-LOAN>                                 38,437
<INTEREST-INVEST>                                9,955
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                48,392
<INTEREST-DEPOSIT>                              22,273
<INTEREST-EXPENSE>                              28,989
<INTEREST-INCOME-NET>                           19,413
<LOAN-LOSSES>                                      521
<SECURITIES-GAINS>                                 572
<EXPENSE-OTHER>                                 13,178
<INCOME-PRETAX>                                  9,367
<INCOME-PRE-EXTRAORDINARY>                       9,367
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,450
<EPS-PRIMARY>                                     1.14
<EPS-DILUTED>                                     1.14
<YIELD-ACTUAL>                                    3.16
<LOANS-NON>                                      6,221
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 5,880
<LOANS-PROBLEM>                                  3,140
<ALLOWANCE-OPEN>                                 8,178
<CHARGE-OFFS>                                      969
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                7,465
<ALLOWANCE-DOMESTIC>                               884
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,581