<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM PAGES 3-11
OF FORM 10-Q FOR THE PERIOD 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-END>                               MAR-31-1995
<CASH>                                          19,959
<INT-BEARING-DEPOSITS>                          34,423
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         287,256
<INVESTMENTS-MARKET>                           271,587
<LOANS>                                      2,056,213
<ALLOWANCE>                                     13,796
<TOTAL-ASSETS>                               2,493,485
<DEPOSITS>                                   1,485,926
<SHORT-TERM>                                   439,131
<LIABILITIES-OTHER>                             66,087
<LONG-TERM>                                    330,062
<COMMON>                                           811
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     171,468
<TOTAL-LIABILITIES-AND-EQUITY>               2,493,485
<INTEREST-LOAN>                                 39,909
<INTEREST-INVEST>                                5,788
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                45,697
<INTEREST-DEPOSIT>                              16,335
<INTEREST-EXPENSE>                              27,944
<INTEREST-INCOME-NET>                           17,753
<LOAN-LOSSES>                                      201
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 13,429
<INCOME-PRETAX>                                  6,812
<INCOME-PRE-EXTRAORDINARY>                       6,812
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,068
<EPS-PRIMARY>                                      .47
<EPS-DILUTED>                                      .47
<YIELD-ACTUAL>                                    2.93
<LOANS-NON>                                      6,311
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,500
<LOANS-PROBLEM>                                 12,504
<ALLOWANCE-OPEN>                                13,733
<CHARGE-OFFS>                                      672
<RECOVERIES>                                       534
<ALLOWANCE-CLOSE>                               13,796
<ALLOWANCE-DOMESTIC>                            13,796
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0