<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statements of Position, the Consolidated Statements of Earnings,
the Notes to Consolidated Financial Statements and the Selected Consolidated
Financial and Other Data and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                          14,128
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,500
<TRADING-ASSETS>                                   770
<INVESTMENTS-HELD-FOR-SALE>                    216,674
<INVESTMENTS-CARRYING>                         104,702
<INVESTMENTS-MARKET>                            96,928
<LOANS>                                        841,674
<ALLOWANCE>                                    (6,803)
<TOTAL-ASSETS>                               1,222,690
<DEPOSITS>                                   1,027,746
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,777
<LONG-TERM>                                    111,145
<COMMON>                                             0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      3,085
<OTHER-SE>                                      64,052
<TOTAL-LIABILITIES-AND-EQUITY>               1,222,690
<INTEREST-LOAN>                                 56,802
<INTEREST-INVEST>                               20,480
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                77,282
<INTEREST-DEPOSIT>                              36,008
<INTEREST-EXPENSE>                              42,818
<INTEREST-INCOME-NET>                           34,464
<LOAN-LOSSES>                                    2,325
<SECURITIES-GAINS>                                 546
<EXPENSE-OTHER>                                 25,610
<INCOME-PRETAX>                                  9,630
<INCOME-PRE-EXTRAORDINARY>                       5,710
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,710
<EPS-PRIMARY>                                     1.95
<EPS-DILUTED>                                     1.95
<YIELD-ACTUAL>                                    2.94
<LOANS-NON>                                      9,300
<LOANS-PAST>                                     1,186
<LOANS-TROUBLED>                                 4,213
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,979
<CHARGE-OFFS>                                  (2,616)
<RECOVERIES>                                       115
<ALLOWANCE-CLOSE>                                6,803
<ALLOWANCE-DOMESTIC>                             6,803
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0