<ARTICLE>         9
<LEGEND>          THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION
                  EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AS OF 
                  DECEMBER 31, 1994 AND CONSOLIDATED STATEMENT OF
                  INCOME FOR THE TWELVE MONTHS ENDED DECEMBER 31, 1994.
</LEGEND>
<MULTIPLIER>                         1,000
       
                                  
<PERIOD-TYPE>                        YEAR
<FISCAL-YEAR-END>                    DEC-31-1994
<PERIOD-END>                         DEC-31-1994
<CASH>                               22,518
<INT-BEARING-DEPOSITS>               779
<FED-FUNDS-SOLD>                     0
<TRADING-ASSETS>                     0
<INVESTMENTS-HELD-FOR-SALE>          196,502
<INVESTMENTS-CARRYING>               269,701
<INVESTMENTS-MARKET>                 254,996
<LOANS>                              757,227
<ALLOWANCE>                          5,544
<TOTAL-ASSETS>                       1,363,614
<DEPOSITS>                           818,742
<SHORT-TERM>                         316,896
<LIABILITIES-OTHER>                  43,077
<LONG-TERM>                          66,379
<PREFERRED-MANDATORY>                0
<PREFERRED>                          0
<COMMON>                             76,231
<OTHER-SE>                           41,683
<TOTAL-LIABILITIES-AND-EQUITY>       1,363,614
<INTEREST-LOAN>                      53,617
<INTEREST-INVEST>                    24,602
<INTEREST-OTHER>                     0
<INTEREST-TOTAL>                     78,219
<INTEREST-DEPOSIT>                   28,261
<INTEREST-EXPENSE>                   44,999
<INTEREST-INCOME-NET>                33,220
<LOAN-LOSSES>                        94
<SECURITIES-GAINS>                   1,392
<EXPENSE-OTHER>                      85,021
<INCOME-PRETAX>                      23,766
<INCOME-PRE-EXTRAORDINARY>           23,766
<EXTRAORDINARY>                      0
<CHANGES>                            0
<NET-INCOME>                         15,719
<EPS-PRIMARY>                        1.00
<EPS-DILUTED>                        1.00
<YIELD-ACTUAL>                       2.88
<LOANS-NON>                          2,365
<LOANS-PAST>                         139
<LOANS-TROUBLED>                     1,130
<LOANS-PROBLEM>                      0
<ALLOWANCE-OPEN>                     7,214
<CHARGE-OFFS>                        1,705
<RECOVERIES>                         291
<ALLOWANCE-CLOSE>                    5,544
<ALLOWANCE-DOMESTIC>                 3,320
<ALLOWANCE-FOREIGN>                  0
<ALLOWANCE-UNALLOCATED>              2,224