<ARTICLE>     9
<LEGEND>
    This schedule contains summary financial information extracted
    from the consolidated balance sheet as of June 30, 1996 and
    consolidated statement of income for the six months ended
    June 30, 1996 in the Company's June 30, 1996 Form 10-Q and is
    qualified in its entirety by reference to such financial
    statements.
</LEGEND>
<MULTIPLIER>                         1,000
       
                                  
<PERIOD-TYPE>                        6-MOS
<FISCAL-YEAR-END>                    DEC-31-1996
<PERIOD-START>                       JAN-01-1996
<PERIOD-END>                         JUN-30-1996
<CASH>                               $    34,958
<INT-BEARING-DEPOSITS>                     1,019
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>              325,235
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                  996,172
<ALLOWANCE>                                4,796
<TOTAL-ASSETS>                         1,468,297
<DEPOSITS>                               924,205
<SHORT-TERM>                             312,319
<LIABILITIES-OTHER>                       61,275
<LONG-TERM>                               49,261
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                  79,683
<OTHER-SE>                                40,461
<TOTAL-LIABILITIES-AND-EQUITY>         1,468,297
<INTEREST-LOAN>                           38,396
<INTEREST-INVEST>                          9,672
<INTEREST-OTHER>                             310
<INTEREST-TOTAL>                          48,378
<INTEREST-DEPOSIT>                        20,670
<INTEREST-EXPENSE>                        31,400
<INTEREST-INCOME-NET>                     16,978
<LOAN-LOSSES>                                110
<SECURITIES-GAINS>                           428
<EXPENSE-OTHER>                           49,468
<INCOME-PRETAX>                           10,828
<INCOME-PRE-EXTRAORDINARY>                 7,161
<EXTRAORDINARY>                            (388)
<CHANGES>                                      0
<NET-INCOME>                               6,773
<EPS-PRIMARY>                               0.41
<EPS-DILUTED>                               0.41
<YIELD-ACTUAL>                              2.69
<LOANS-NON>                                3,667
<LOANS-PAST>                               1,077
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                           5,002
<CHARGE-OFFS>                                381
<RECOVERIES>                                  65
<ALLOWANCE-CLOSE>                          4,796
<ALLOWANCE-DOMESTIC>                       4,017
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                      779