<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                          24,374
<INT-BEARING-DEPOSITS>                          17,321
<FED-FUNDS-SOLD>                                 6,948
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    256,657
<INVESTMENTS-CARRYING>                         155,597
<INVESTMENTS-MARKET>                           149,790
<LOANS>                                        650,928
<ALLOWANCE>                                      9,317
<TOTAL-ASSETS>                               1,165,614
<DEPOSITS>                                   1,012,145
<SHORT-TERM>                                     3,091
<LIABILITIES-OTHER>                             11,857
<LONG-TERM>                                     15,485
<COMMON>                                        51,610
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      68,150
<TOTAL-LIABILITIES-AND-EQUITY>               1,165,614
<INTEREST-LOAN>                                 43,951
<INTEREST-INVEST>                               22,138
<INTEREST-OTHER>                                 1,447
<INTEREST-TOTAL>                                67,536
<INTEREST-DEPOSIT>                              28,363
<INTEREST-EXPENSE>                              29,323
<INTEREST-INCOME-NET>                           37,854
<LOAN-LOSSES>                                      190
<SECURITIES-GAINS>                                (70)
<EXPENSE-OTHER>                                 27,700
<INCOME-PRETAX>                                 18,510
<INCOME-PRE-EXTRAORDINARY>                       6,634
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,634
<EPS-PRIMARY>                                      .57
<EPS-DILUTED>                                      .55
<YIELD-ACTUAL>                                    4.10
<LOANS-NON>                                      1,774
<LOANS-PAST>                                     2,402
<LOANS-TROUBLED>                                   129
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,227
<CHARGE-OFFS>                                      581
<RECOVERIES>                                       258
<ALLOWANCE-CLOSE>                                9,317
<ALLOWANCE-DOMESTIC>                                69
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          9,248