<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED INTERIM CONSOLIDATED FINANCIAL STATEMENTS, RELATED NOTES, AND
MANAGEMENT'S DISCUSSION AND ANALYSIS, CONTAINED IN THE REPORT ON FORM 10-Q FOR
THE QUARTER ENDED MARCH 31 1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                         153,527
<INT-BEARING-DEPOSITS>                              62
<FED-FUNDS-SOLD>                               105,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    148,390
<INVESTMENTS-CARRYING>                           7,169
<INVESTMENTS-MARKET>                             7,500
<LOANS>                                        696,602
<ALLOWANCE>                                     21,500
<TOTAL-ASSETS>                               1,119,347
<DEPOSITS>                                   1,023,645
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             11,722
<LONG-TERM>                                          0
<COMMON>                                        55,164
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      28,814
<TOTAL-LIABILITIES-AND-EQUITY>               1,119,347
<INTEREST-LOAN>                                 20,179
<INTEREST-INVEST>                                2,354
<INTEREST-OTHER>                                 1,476
<INTEREST-TOTAL>                                24,008
<INTEREST-DEPOSIT>                               5,843
<INTEREST-EXPENSE>                               5,843
<INTEREST-INCOME-NET>                           18,165
<LOAN-LOSSES>                                    1,355
<SECURITIES-GAINS>                               (422)
<EXPENSE-OTHER>                                  1,399
<INCOME-PRETAX>                                  5,719
<INCOME-PRE-EXTRAORDINARY>                       5,719
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,280
<EPS-PRIMARY>                                    $0.37
<EPS-DILUTED>                                    $0.37
<YIELD-ACTUAL>                                    .010
<LOANS-NON>                                     14,589
<LOANS-PAST>                                       202
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,600
<ALLOWANCE-OPEN>                                20,000
<CHARGE-OFFS>                                      823
<RECOVERIES>                                       968
<ALLOWANCE-CLOSE>                               21,500
<ALLOWANCE-DOMESTIC>                            14,394
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          7,106