<ARTICLE>     9
<LEGEND>
    The schedule contains summary financial information extracted
    from the consolidated balance sheet as of September 30, 1995 and
    consolidated statements of income for the nine months ended
    September 30, 1995.
</LEGEND>
<MULTIPLIER>                         1,000
       
                                  
<PERIOD-TYPE>                        9-MOS
<FISCAL-YEAR-END>                    DEC-31-1995
<PERIOD-END>                         SEP-30-1995
<CASH>                                    23,813
<INT-BEARING-DEPOSITS>                     3,538
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>              320,974
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                1,065,415
<ALLOWANCE>                                5,061
<TOTAL-ASSETS>                         1,533,944
<DEPOSITS>                               903,781
<SHORT-TERM>                             347,433
<LIABILITIES-OTHER>                       52,032
<LONG-TERM>                              104,668
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                  75,368
<OTHER-SE>                                49,760
<TOTAL-LIABILITIES-AND-EQUITY>         1,533,944
<INTEREST-LOAN>                           51,084
<INTEREST-INVEST>                         19,473
<INTEREST-OTHER>                               0
<INTEREST-TOTAL>                          70,557
<INTEREST-DEPOSIT>                        28,629
<INTEREST-EXPENSE>                        47,874
<INTEREST-INCOME-NET>                     22,683
<LOAN-LOSSES>                                 24
<SECURITIES-GAINS>                         1,054
<EXPENSE-OTHER>                           59,292
<INCOME-PRETAX>                           19,260
<INCOME-PRE-EXTRAORDINARY>                19,260
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                              12,244
<EPS-PRIMARY>                               0.79
<EPS-DILUTED>                               0.79
<YIELD-ACTUAL>                              2.39
<LOANS-NON>                                  865
<LOANS-PAST>                                 491
<LOANS-TROUBLED>                             794
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                           5,544
<CHARGE-OFFS>                                731
<RECOVERIES>                                 224
<ALLOWANCE-CLOSE>                          5,061
<ALLOWANCE-DOMESTIC>                       2,670
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                    2,391