<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1996 <CASH> 73,137,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 179,013,000 <INVESTMENTS-CARRYING> 173,938,000 <INVESTMENTS-MARKET> 172,774,000 <LOANS> 1,790,536,000 <ALLOWANCE> 22,723,000 <TOTAL-ASSETS> 2,275,897,000 <DEPOSITS> 1,763,734,000 <SHORT-TERM> 105,954,000 <LIABILITIES-OTHER> 34,541,000 <LONG-TERM> 124,589,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 38,238,000 <OTHER-SE> 209,507,000 <TOTAL-LIABILITIES-AND-EQUITY> 2,275,897,000 <INTEREST-LOAN> 74,008,000 <INTEREST-INVEST> 9,416,000 <INTEREST-OTHER> 291,000 <INTEREST-TOTAL> 83,715,000 <INTEREST-DEPOSIT> 31,543,000 <INTEREST-EXPENSE> 35,133,000 <INTEREST-INCOME-NET> 48,582,000 <LOAN-LOSSES> 1,560,000 <SECURITIES-GAINS> (48,000) <EXPENSE-OTHER> 33,004,000 <INCOME-PRETAX> 19,327,000 <INCOME-PRE-EXTRAORDINARY> 19,327,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,353,000 <EPS-PRIMARY> 0.61 <EPS-DILUTED> 0.61 <YIELD-ACTUAL> 4.92 <LOANS-NON> 5,122,000 <LOANS-PAST> 6,856,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 22,545,000 <CHARGE-OFFS> 1,781,000 <RECOVERIES> 399,000 <ALLOWANCE-CLOSE> 22,723,000 <ALLOWANCE-DOMESTIC> 8,878,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 13,845,000