<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-Q and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK> 0000818969
<NAME> PROVIDENT BANKSHARES CORPORATION
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               JUN-30-1995
<CASH>                                          53,369
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    422,536
<INVESTMENTS-CARRYING>                         433,634
<INVESTMENTS-MARKET>                           443,568
<LOANS>                                      1,405,839
<ALLOWANCE>                                     20,931
<TOTAL-ASSETS>                               2,448,782
<DEPOSITS>                                   1,496,127
<SHORT-TERM>                                   518,275
<LIABILITIES-OTHER>                             27,023
<LONG-TERM>                                    242,950
<COMMON>                                         8,026
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     156,381
<TOTAL-LIABILITIES-AND-EQUITY>               2,448,782
<INTEREST-LOAN>                                 55,021
<INTEREST-INVEST>                               31,033
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                86,054
<INTEREST-DEPOSIT>                              26,825
<INTEREST-EXPENSE>                              45,814
<INTEREST-INCOME-NET>                           40,240
<LOAN-LOSSES>                                      245
<SECURITIES-GAINS>                             (2,776)
<EXPENSE-OTHER>                                 30,839
<INCOME-PRETAX>                                 11,932
<INCOME-PRE-EXTRAORDINARY>                      11,932
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,115
<EPS-PRIMARY>                                     1.03
<EPS-DILUTED>                                     1.03
<YIELD-ACTUAL>                                       4
<LOANS-NON>                                      9,420
<LOANS-PAST>                                       676
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                20,893
<CHARGE-OFFS>                                      720
<RECOVERIES>                                       513
<ALLOWANCE-CLOSE>                               20,931
<ALLOWANCE-DOMESTIC>                            20,931
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0