<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 78,725,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 101,023,000 <INVESTMENTS-CARRYING> 230,297,000 <INVESTMENTS-MARKET> 231,046,000 <LOANS> 1,314,987,000 <ALLOWANCE> 20,079,000 <TOTAL-ASSETS> 1,770,206,000 <DEPOSITS> 1,436,333,000 <SHORT-TERM> 92,927,000 <LIABILITIES-OTHER> 19,504,000 <LONG-TERM> 33,900,000 <COMMON> 29,886,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 157,656,000 <TOTAL-LIABILITIES-AND-EQUITY> 1,770,206,000 <INTEREST-LOAN> 56,211,000 <INTEREST-INVEST> 10,656,000 <INTEREST-OTHER> 411,000 <INTEREST-TOTAL> 67,278,000 <INTEREST-DEPOSIT> 23,297,000 <INTEREST-EXPENSE> 26,676,000 <INTEREST-INCOME-NET> 40,602,000 <LOAN-LOSSES> 925,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 24,778,000 <INCOME-PRETAX> 21,253,000 <INCOME-PRE-EXTRAORDINARY> 21,253,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 13,939,000 <EPS-PRIMARY> 1.17 <EPS-DILUTED> 1.17 <YIELD-ACTUAL> 5.16 <LOANS-NON> 4,627,000 <LOANS-PAST> 3,559,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 20,008,000 <CHARGE-OFFS> 1,160,000 <RECOVERIES> 306,000 <ALLOWANCE-CLOSE> 20,079,000 <ALLOWANCE-DOMESTIC> 10,741,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 9,338,000