<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM PAGES 3-11
OF FORM 10Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.  (IN THOUSANDS EXCEPT PER SHARE DATA) (UNAUDITED).
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                          22,737
<INT-BEARING-DEPOSITS>                          59,279
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         271,776
<INVESTMENTS-MARKET>                           265,284
<LOANS>                                      2,133,354
<ALLOWANCE>                                   (14,835)
<TOTAL-ASSETS>                               2,579,692
<DEPOSITS>                                   1,518,276
<SHORT-TERM>                                   484,850
<LIABILITIES-OTHER>                             79,710
<LONG-TERM>                                    321,118
<COMMON>                                           811
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     174,927
<TOTAL-LIABILITIES-AND-EQUITY>               2,579,692
<INTEREST-LOAN>                                 81,527
<INTEREST-INVEST>                               11,245
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                92,772
<INTEREST-DEPOSIT>                              34,394
<INTEREST-EXPENSE>                              57,301
<INTEREST-INCOME-NET>                           35,471
<LOAN-LOSSES>                                      437
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 27,706
<INCOME-PRETAX>                                 14,144
<INCOME-PRE-EXTRAORDINARY>                      14,144
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,449
<EPS-PRIMARY>                                     0.97
<EPS-DILUTED>                                     0.97
<YIELD-ACTUAL>                                    2.92
<LOANS-NON>                                      6,461
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,455
<LOANS-PROBLEM>                                 10,993
<ALLOWANCE-OPEN>                                13,733
<CHARGE-OFFS>                                    1,212
<RECOVERIES>                                     1,877
<ALLOWANCE-CLOSE>                               14,835
<ALLOWANCE-DOMESTIC>                            14,835
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0