<ARTICLE>     9
<LEGEND>
     The schedule contains summary financial information extracted from
     the consolidated balance sheet as of June 30, 1995 and consolidated
     statements of income for the six months ended June 30, 1995.
</LEGEND>
<MULTIPLIER>                         1,000
       
                                  
<PERIOD-TYPE>                        6-MOS
<FISCAL-YEAR-END>                    DEC-31-1995
<PERIOD-END>                         JUN-30-1995
<CASH>                                    25,282
<INT-BEARING-DEPOSITS>                     5,852
<FED-FUNDS-SOLD>                           2,000
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>              416,223
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                  877,105
<ALLOWANCE>                                5,068
<TOTAL-ASSETS>                         1,440,256
<DEPOSITS>                               918,569
<SHORT-TERM>                             260,945
<LIABILITIES-OTHER>                       51,002
<LONG-TERM>                               86,800
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                  74,624
<OTHER-SE>                                46,968
<TOTAL-LIABILITIES-AND-EQUITY>         1,440,256
<INTEREST-LOAN>                           32,078
<INTEREST-INVEST>                         13,871
<INTEREST-OTHER>                               0
<INTEREST-TOTAL>                          45,949
<INTEREST-DEPOSIT>                        18,362
<INTEREST-EXPENSE>                        30,637
<INTEREST-INCOME-NET>                     15,312
<LOAN-LOSSES>                                 24
<SECURITIES-GAINS>                           (82)
<EXPENSE-OTHER>                           37,077
<INCOME-PRETAX>                           12,894
<INCOME-PRE-EXTRAORDINARY>                12,894
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                               8,130
<EPS-PRIMARY>                                .53
<EPS-DILUTED>                                .53
<YIELD-ACTUAL>                              2.47
<LOANS-NON>                                2,221
<LOANS-PAST>                                  40
<LOANS-TROUBLED>                             794
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                           5,544
<CHARGE-OFFS>                                691
<RECOVERIES>                                 191
<ALLOWANCE-CLOSE>                          5,068
<ALLOWANCE-DOMESTIC>                       2,743
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                    2,325