<ARTICLE>                           9
<MULTIPLIER>                        1,000

       

                                 
<PERIOD-TYPE>                       YEAR

<FISCAL-YEAR-END>                            DEC-31-1995
<PERIOD-END>                                 DEC-31-1995
<CASH>                                            56,903
<INT-BEARING-DEPOSITS>                                 0
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<TRADING-ASSETS>                                       0
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<INVESTMENTS-CARRYING>                           315,806
<INVESTMENTS-MARKET>                             328,343
<LOANS>                                          560,152
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<DEPOSITS>                                     1,016,946
<SHORT-TERM>                                           0
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<LONG-TERM>                                       25,550
<COMMON>                                           4,600
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<OTHER-SE>                                        90,960
<TOTAL-LIABILITIES-AND-EQUITY>                 1,152,045
<INTEREST-LOAN>                                   49,928
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<INTEREST-DEPOSIT>                                30,772
<INTEREST-EXPENSE>                                36,307
<INTEREST-INCOME-NET>                             47,080
<LOAN-LOSSES>                                      1,765
<SECURITIES-GAINS>                                  (152)
<EXPENSE-OTHER>                                   33,019
<INCOME-PRETAX>                                   18,854
<INCOME-PRE-EXTRAORDINARY>                        18,854
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
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<EPS-PRIMARY>                                       3.41
<EPS-DILUTED>                                       3.40
<YIELD-ACTUAL>                                      4.88
<LOANS-NON>                                        1,328
<LOANS-PAST>                                         667
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
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<CHARGE-OFFS>                                      1,758
<RECOVERIES>                                         688
<ALLOWANCE-CLOSE>                                  6,976
<ALLOWANCE-DOMESTIC>                               6,976
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                            1,159