<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> JUN-30-1996 <CASH> 49,431 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 172,790 <INVESTMENTS-CARRYING> 401,778 <INVESTMENTS-MARKET> 403,538 <LOANS> 599,538 <ALLOWANCE> 7,469 <TOTAL-ASSETS> 1,283,201 <DEPOSITS> 1,022,408 <SHORT-TERM> 45,800 <LIABILITIES-OTHER> 11,098 <LONG-TERM> 100,550 <PREFERRED-MANDATORY> 0 <PREFERRED> 4,500 <COMMON> 4,603 <OTHER-SE> 94,243 <TOTAL-LIABILITIES-AND-EQUITY> 1,002,444 <INTEREST-LOAN> 27,315 <INTEREST-INVEST> 18,690 <INTEREST-OTHER> 335 <INTEREST-TOTAL> 46,340 <INTEREST-DEPOSIT> 18,138 <INTEREST-EXPENSE> 19,545 <INTEREST-INCOME-NET> 26,795 <LOAN-LOSSES> 1,197 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 18,311 <INCOME-PRETAX> 11,242 <INCOME-PRE-EXTRAORDINARY> 11,242 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,663 <EPS-PRIMARY> 1.74 <EPS-DILUTED> 1.74 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0