<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 73,757,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 12,425,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 102,771,000 <INVESTMENTS-CARRYING> 221,313,000 <INVESTMENTS-MARKET> 221,130,000 <LOANS> 1,323,301,000 <ALLOWANCE> 20,044,000 <TOTAL-ASSETS> 1,773,289,000 <DEPOSITS> 1,435,348,000 <SHORT-TERM> 92,151,000 <LIABILITIES-OTHER> 20,597,000 <LONG-TERM> 33,900,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 29,886,000 <OTHER-SE> 167,407,000 <TOTAL-LIABILITIES-AND-EQUITY> 1,773,289,000 <INTEREST-LOAN> 85,207,000 <INTEREST-INVEST> 15,691,000 <INTEREST-OTHER> 525,000 <INTEREST-TOTAL> 101,423,000 <INTEREST-DEPOSIT> 35,718,000 <INTEREST-EXPENSE> 40,554,000 <INTEREST-INCOME-NET> 60,869,000 <LOAN-LOSSES> 1,550,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 15,694,000 <INCOME-PRETAX> 32,618,000 <INCOME-PRE-EXTRAORDINARY> 32,618,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 21,126,000 <EPS-PRIMARY> 1.77 <EPS-DILUTED> 1.77 <YIELD-ACTUAL> 5.15 <LOANS-NON> 3,594,000 <LOANS-PAST> 6,094,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 20,008,000 <CHARGE-OFFS> 1,933,000 <RECOVERIES> 419,000 <ALLOWANCE-CLOSE> 20,044,000 <ALLOWANCE-DOMESTIC> 8,938,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 11,106,000