<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 22,630 <INT-BEARING-DEPOSITS> 22,094 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 872,208 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,290,125 <ALLOWANCE> 0 <TOTAL-ASSETS> 2,274,536 <DEPOSITS> 1,670,871 <SHORT-TERM> 0 <LIABILITIES-OTHER> 337,371 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 190 <OTHER-SE> 266,104 <TOTAL-LIABILITIES-AND-EQUITY> 2,274,536 <INTEREST-LOAN> 42,886 <INTEREST-INVEST> 33,055 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 75,941 <INTEREST-DEPOSIT> 35,620 <INTEREST-EXPENSE> 44,278 <INTEREST-INCOME-NET> 31,663 <LOAN-LOSSES> 1,600 <SECURITIES-GAINS> 1,591 <EXPENSE-OTHER> 20,662 <INCOME-PRETAX> 13,843 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,739 <EPS-PRIMARY> 0.56 <EPS-DILUTED> 0.55 <YIELD-ACTUAL> 7.20 <LOANS-NON> 2,914 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,048 <CHARGE-OFFS> 468 <RECOVERIES> 38 <ALLOWANCE-CLOSE> 6,218 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 6,218