<ARTICLE>  9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
DECEMBER 31, 1994 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                      58,387,727
<INT-BEARING-DEPOSITS>                          64,255
<FED-FUNDS-SOLD>                            59,396,428
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                349,208,773
<INVESTMENTS-CARRYING>                      94,484,134
<INVESTMENTS-MARKET>                        92,284,000
<LOANS>                                    972,318,990
<ALLOWANCE>                                 10,913,043
<TOTAL-ASSETS>                           1,581,326,849
<DEPOSITS>                               1,340,283,110
<SHORT-TERM>                                82,703,736
<LIABILITIES-OTHER>                         18,970,245
<LONG-TERM>                                 28,939,413
<COMMON>                                    39,357,730
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  71,072,615
<TOTAL-LIABILITIES-AND-EQUITY>           1,581,326,849
<INTEREST-LOAN>                             76,456,964
<INTEREST-INVEST>                           23,044,637
<INTEREST-OTHER>                             1,721,353
<INTEREST-TOTAL>                           101,222,954
<INTEREST-DEPOSIT>                          41,609,766
<INTEREST-EXPENSE>                          45,772,428
<INTEREST-INCOME-NET>                       55,450,526
<LOAN-LOSSES>                                1,987,909
<SECURITIES-GAINS>                           (339,624)
<EXPENSE-OTHER>                             57,247,578
<INCOME-PRETAX>                             12,808,027
<INCOME-PRE-EXTRAORDINARY>                  12,808,027
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                10,107,387
<EPS-PRIMARY>                                     1.27
<EPS-DILUTED>                                     1.27
<YIELD-ACTUAL>                                    7.05
<LOANS-NON>                                  3,784,000
<LOANS-PAST>                                   940,000
<LOANS-TROUBLED>                               298,000
<LOANS-PROBLEM>                              5,022,000
<ALLOWANCE-OPEN>                             9,817,864
<CHARGE-OFFS>                                2,442,185
<RECOVERIES>                                 1,549,455
<ALLOWANCE-CLOSE>                           10,913,043
<ALLOWANCE-DOMESTIC>                        10,913,043
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0