<ARTICLE>     9
<LEGEND>      THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION
              EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AS OF 
              MARCH 31, 1995 AND CONSOLIDATED STATEMENT OF
              INCOME FOR THE THREE MONTHS ENDED MARCH 31, 1995.
</LEGEND>
<MULTIPLIER>                         1,000
       
                                  
<PERIOD-TYPE>                        3-MOS
<FISCAL-YEAR-END>                    DEC-31-1995
<PERIOD-END>                         MAR-31-1995
<CASH>                                  18,407
<INT-BEARING-DEPOSITS>                   3,716
<FED-FUNDS-SOLD>                        24,500
<TRADING-ASSETS>                             0
<INVESTMENTS-HELD-FOR-SALE>            164,423
<INVESTMENTS-CARRYING>                 267,956
<INVESTMENTS-MARKET>                   260,171
<LOANS>                                776,938
<ALLOWANCE>                              5,390
<TOTAL-ASSETS>                       1,375,185
<DEPOSITS>                             890,663
<SHORT-TERM>                           245,848
<LIABILITIES-OTHER>                     49,203
<LONG-TERM>                             69,215
<PREFERRED-MANDATORY>                        0
<PREFERRED>                                  0
<COMMON>                                74,851
<OTHER-SE>                              44,625
<TOTAL-LIABILITIES-AND-EQUITY>       1,375,185
<INTEREST-LOAN>                         15,549
<INTEREST-INVEST>                        6,991
<INTEREST-OTHER>                             0
<INTEREST-TOTAL>                        22,540
<INTEREST-DEPOSIT>                       8,539
<INTEREST-EXPENSE>                      14,764
<INTEREST-INCOME-NET>                    7,776
<LOAN-LOSSES>                               12
<SECURITIES-GAINS>                         (90)
<EXPENSE-OTHER>                         17,165
<INCOME-PRETAX>                          6,629
<INCOME-PRE-EXTRAORDINARY>               6,629
<EXTRAORDINARY>                              0
<CHANGES>                                    0
<NET-INCOME>                             4,205
<EPS-PRIMARY>                              .27
<EPS-DILUTED>                              .27
<YIELD-ACTUAL>                            2.54
<LOANS-NON>                              1,758
<LOANS-PAST>                               250
<LOANS-TROUBLED>                         1,123
<LOANS-PROBLEM>                              0
<ALLOWANCE-OPEN>                         5,544
<CHARGE-OFFS>                              251
<RECOVERIES>                                85
<ALLOWANCE-CLOSE>                        5,390
<ALLOWANCE-DOMESTIC>                     3,122
<ALLOWANCE-FOREIGN>                          0
<ALLOWANCE-UNALLOCATED>                  2,268