<ARTICLE>      9
<LEGEND>
     The schedule contains summary financial information 
     extracted from the consolidated balance sheet as of
     September 30, 1994 and consolidated statements of income 
     for the nine months ended September 30, 1994.
</LEGEND>
<MULTIPLIER>   1,000
       
                                  
<PERIOD-TYPE>                        9-MOS
<FISCAL-YEAR-END>                    DEC-31-1994
<PERIOD-END>                         SEP-30-1994
<CASH>                                    20,402
<INT-BEARING-DEPOSITS>                     4,414
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>              254,526
<INVESTMENTS-CARRYING>                   272,577
<INVESTMENTS-MARKET>                     263,430
<LOANS>                                  703,861
<ALLOWANCE>                                5,851
<TOTAL-ASSETS>                         1,370,351
<DEPOSITS>                               886,856
<SHORT-TERM>                             240,742
<LIABILITIES-OTHER>                       59,225
<LONG-TERM>                               63,347
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                  69,646
<OTHER-SE>                                49,952
<TOTAL-LIABILITIES-AND-EQUITY>         1,370,351
<INTEREST-LOAN>                           39,840
<INTEREST-INVEST>                         17,008
<INTEREST-OTHER>                               0
<INTEREST-TOTAL>                          56,848
<INTEREST-DEPOSIT>                        20,186
<INTEREST-EXPENSE>                        31,556
<INTEREST-INCOME-NET>                     25,292
<LOAN-LOSSES>                                 84
<SECURITIES-GAINS>                           568
<EXPENSE-OTHER>                           65,484
<INCOME-PRETAX>                           21,297
<INCOME-PRE-EXTRAORDINARY>                21,297
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                              14,114
<EPS-PRIMARY>                                .99
<EPS-DILUTED>                                .99
<YIELD-ACTUAL>                              2.99
<LOANS-NON>                                2,636
<LOANS-PAST>                                 795
<LOANS-TROUBLED>                           1,536
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                           7,214
<CHARGE-OFFS>                              1,267
<RECOVERIES>                                 170
<ALLOWANCE-CLOSE>                          5,851
<ALLOWANCE-DOMESTIC>                       3,677
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                    2,174