<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                      78,909,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                196,718,000
<INVESTMENTS-CARRYING>                     112,755,000
<INVESTMENTS-MARKET>                       114,390,000
<LOANS>                                  1,374,005,000
<ALLOWANCE>                                 20,017,000
<TOTAL-ASSETS>                           1,815,443,000
<DEPOSITS>                               1,473,266,000
<SHORT-TERM>                               116,067,000
<LIABILITIES-OTHER>                         24,888,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    30,391,000
<OTHER-SE>                                 170,831,000
<TOTAL-LIABILITIES-AND-EQUITY>           1,815,443,000
<INTEREST-LOAN>                            115,300,000
<INTEREST-INVEST>                           20,490,000
<INTEREST-OTHER>                               670,000
<INTEREST-TOTAL>                           136,460,000
<INTEREST-DEPOSIT>                          48,445,000
<INTEREST-EXPENSE>                          54,770,000
<INTEREST-INCOME-NET>                       81,690,000
<LOAN-LOSSES>                                2,075,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                             48,881,000
<INCOME-PRETAX>                             43,350,000
<INCOME-PRE-EXTRAORDINARY>                  43,350,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                28,079,000
<EPS-PRIMARY>                                     2.35
<EPS-DILUTED>                                     2.35
<YIELD-ACTUAL>                                    5.15
<LOANS-NON>                                  4,934,000
<LOANS-PAST>                                 4,115,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                            20,008,000
<CHARGE-OFFS>                                3,607,000
<RECOVERIES>                                   524,000
<ALLOWANCE-CLOSE>                           20,017,000
<ALLOWANCE-DOMESTIC>                         8,878,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                     11,139,000