<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM PAGES 3-11
OF FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                          26,439
<INT-BEARING-DEPOSITS>                          47,306
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         260,389
<INVESTMENTS-MARKET>                           254,559
<LOANS>                                      2,075,374
<ALLOWANCE>                                   (11,530)
<TOTAL-ASSETS>                               2,542,851
<DEPOSITS>                                   1,532,640
<SHORT-TERM>                                   478,397
<LIABILITIES-OTHER>                             50,969
<LONG-TERM>                                    303,315
<COMMON>                                           812
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     176,718
<TOTAL-LIABILITIES-AND-EQUITY>               2,542,851
<INTEREST-LOAN>                                124,176
<INTEREST-INVEST>                               16,545
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               140,721
<INTEREST-DEPOSIT>                              53,283
<INTEREST-EXPENSE>                              87,690
<INTEREST-INCOME-NET>                           53,031
<LOAN-LOSSES>                                      688
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 41,892
<INCOME-PRETAX>                                 20,823
<INCOME-PRE-EXTRAORDINARY>                      20,823
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,119
<EPS-PRIMARY>                                     1.38
<EPS-DILUTED>                                     1.38
<YIELD-ACTUAL>                                    2.88
<LOANS-NON>                                      6,563
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,455
<LOANS-PROBLEM>                                 11,204
<ALLOWANCE-OPEN>                                13,733
<CHARGE-OFFS>                                    4,806
<RECOVERIES>                                     1,935
<ALLOWANCE-CLOSE>                               11,530
<ALLOWANCE-DOMESTIC>                            11,530
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0