<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 0 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 0 <ALLOWANCE> 0 <TOTAL-ASSETS> 0 <DEPOSITS> 0 <SHORT-TERM> 0 <LIABILITIES-OTHER> 0 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 0 <INTEREST-LOAN> 61,881 <INTEREST-INVEST> 17,645 <INTEREST-OTHER> 866 <INTEREST-TOTAL> 80,392 <INTEREST-DEPOSIT> 34,197 <INTEREST-EXPENSE> 37,178 <INTEREST-INCOME-NET> 43,214 <LOAN-LOSSES> 706 <SECURITIES-GAINS> 284 <EXPENSE-OTHER> 36,053 <INCOME-PRETAX> 15,193 <INCOME-PRE-EXTRAORDINARY> 15,193 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,086 <EPS-PRIMARY> .49 <EPS-DILUTED> .48 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0