<ARTICLE> 9
<LEGEND>
This schedule contains summary information extracted from financial
statements and footnotes of the June 30, 1995 Form 10-Q and is qualified
in its entirety by reference to such filing.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                          25,728
<INT-BEARING-DEPOSITS>                           7,388
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                20,615
<INVESTMENTS-HELD-FOR-SALE>                      6,741
<INVESTMENTS-CARRYING>                         102,546
<INVESTMENTS-MARKET>                           101,374
<LOANS>                                        652,136
<ALLOWANCE>                                      7,641
<TOTAL-ASSETS>                                 875,518
<DEPOSITS>                                     676,197
<SHORT-TERM>                                    96,634
<LIABILITIES-OTHER>                             14,207
<LONG-TERM>                                        201
<COMMON>                                         5,291
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      82,988
<TOTAL-LIABILITIES-AND-EQUITY>                 875,518
<INTEREST-LOAN>                                 27,465
<INTEREST-INVEST>                                3,451
<INTEREST-OTHER>                                   415
<INTEREST-TOTAL>                                31,331
<INTEREST-DEPOSIT>                              12,415
<INTEREST-EXPENSE>                               2,907
<INTEREST-INCOME-NET>                           16,009
<LOAN-LOSSES>                                      630
<SECURITIES-GAINS>                                 632
<EXPENSE-OTHER>                                 14,527
<INCOME-PRETAX>                                  5,492
<INCOME-PRE-EXTRAORDINARY>                       5,492
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,566
<EPS-PRIMARY>                                      .50
<EPS-DILUTED>                                      .49
<YIELD-ACTUAL>                                    8.07
<LOANS-NON>                                      7,600
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,558
<CHARGE-OFFS>                                      697
<RECOVERIES>                                       150
<ALLOWANCE-CLOSE>                                7,641
<ALLOWANCE-DOMESTIC>                             7,641
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,329