<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30,
1995 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                      66,510,458
<INT-BEARING-DEPOSITS>                         385,906
<FED-FUNDS-SOLD>                             9,000,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                363,049,590
<INVESTMENTS-CARRYING>                     112,974,096
<INVESTMENTS-MARKET>                       113,532,000
<LOANS>                                    970,794,982
<ALLOWANCE>                                 11,206,163
<TOTAL-ASSETS>                           1,573,674,198
<DEPOSITS>                               1,349,046,417
<SHORT-TERM>                                45,868,322
<LIABILITIES-OTHER>                         21,739,278
<LONG-TERM>                                 40,894,516
<COMMON>                                    38,630,010
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  77,495,655
<TOTAL-LIABILITIES-AND-EQUITY>           1,573,674,198
<INTEREST-LOAN>                             40,686,206
<INTEREST-INVEST>                           12,505,215
<INTEREST-OTHER>                             1,271,806
<INTEREST-TOTAL>                            54,463,227
<INTEREST-DEPOSIT>                          26,187,405
<INTEREST-EXPENSE>                           2,216,134
<INTEREST-INCOME-NET>                       26,059,688
<LOAN-LOSSES>                                  918,550
<SECURITIES-GAINS>                             (2,498)
<EXPENSE-OTHER>                             27,662,660
<INCOME-PRETAX>                              6,248,099
<INCOME-PRE-EXTRAORDINARY>                   6,248,099
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 5,014,018
<EPS-PRIMARY>                                      .64
<EPS-DILUTED>                                      .64
<YIELD-ACTUAL>                                    7.55
<LOANS-NON>                                  3,205,000
<LOANS-PAST>                                 1,029,000
<LOANS-TROUBLED>                               273,000
<LOANS-PROBLEM>                              4,507,000
<ALLOWANCE-OPEN>                            10,913,000
<CHARGE-OFFS>                                1,431,000
<RECOVERIES>                                   806,000
<ALLOWANCE-CLOSE>                           11,206,000
<ALLOWANCE-DOMESTIC>                        11,206,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0