<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MARCH
31, 1995 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                              JAN-1-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                      57,899,438
<INT-BEARING-DEPOSITS>                         221,060
<FED-FUNDS-SOLD>                            62,093,872
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                347,699,800
<INVESTMENTS-CARRYING>                      97,811,878
<INVESTMENTS-MARKET>                        97,138,000
<LOANS>                                    953,803,738
<ALLOWANCE>                                 11,039,708
<TOTAL-ASSETS>                           1,568,036,068
<DEPOSITS>                               1,352,681,193
<SHORT-TERM>                                47,512,383
<LIABILITIES-OTHER>                         20,028,156
<LONG-TERM>                                 33,478,206
<COMMON>                                    39,190,675
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  75,145,455
<TOTAL-LIABILITIES-AND-EQUITY>           1,568,036,068
<INTEREST-LOAN>                             20,053,953
<INTEREST-INVEST>                            6,017,243
<INTEREST-OTHER>                               539,822
<INTEREST-TOTAL>                            26,611,018
<INTEREST-DEPOSIT>                          12,437,422
<INTEREST-EXPENSE>                           1,159,542
<INTEREST-INCOME-NET>                       13,014,054
<LOAN-LOSSES>                                  459,925
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                             13,802,049
<INCOME-PRETAX>                              3,022,912
<INCOME-PRE-EXTRAORDINARY>                   3,022,912
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,449,778
<EPS-PRIMARY>                                      .31
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                    7.50
<LOANS-NON>                                  3,367,000
<LOANS-PAST>                                   582,000
<LOANS-TROUBLED>                               322,000
<LOANS-PROBLEM>                              4,271,000
<ALLOWANCE-OPEN>                            10,912,000
<CHARGE-OFFS>                                  736,000
<RECOVERIES>                                   403,000
<ALLOWANCE-CLOSE>                           11,040,000
<ALLOWANCE-DOMESTIC>                        11,040,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0