<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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                          12,774
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                14,240
<TRADING-ASSETS>                                 1,121
<INVESTMENTS-HELD-FOR-SALE>                    220,631
<INVESTMENTS-CARRYING>                         103,477
<INVESTMENTS-MARKET>                           101,529
<LOANS>                                        832,392
<ALLOWANCE>                                    (6,552)
<TOTAL-ASSETS>                               1,217,635
<DEPOSITS>                                   1,029,160
<SHORT-TERM>                                    23,000
<LIABILITIES-OTHER>                              4,196
<LONG-TERM>                                     73,071
<COMMON>                                             0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      3,222
<OTHER-SE>                                      72,370
<TOTAL-LIABILITIES-AND-EQUITY>               1,217,635
<INTEREST-LOAN>                                 31,305
<INTEREST-INVEST>                               10,555
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                41,860
<INTEREST-DEPOSIT>                              21,908
<INTEREST-EXPENSE>                              24,299
<INTEREST-INCOME-NET>                           17,561
<LOAN-LOSSES>                                    1,200
<SECURITIES-GAINS>                             (1,347)
<EXPENSE-OTHER>                                 12,374
<INCOME-PRETAX>                                  5,392
<INCOME-PRE-EXTRAORDINARY>                       3,240
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,240
<EPS-PRIMARY>                                     1.10
<EPS-DILUTED>                                     1.10
<YIELD-ACTUAL>                                    3.03
<LOANS-NON>                                     13,858
<LOANS-PAST>                                       245
<LOANS-TROUBLED>                                 4,168
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,803
<CHARGE-OFFS>                                  (1,699)
<RECOVERIES>                                       248
<ALLOWANCE-CLOSE>                                6,552
<ALLOWANCE-DOMESTIC>                             6,552
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0