<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
The schedule contains summary financial information extracted from the 
consolidated financial statements and is qualified in its entirety by reference
to such financial statements.
</LEGEND>                                            
<MULTIPLIER>                                   1000
       
<S>                             <C>
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                          46,864
<INT-BEARING-DEPOSITS>                             570
<FED-FUNDS-SOLD>                                 3,075
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    316,829
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        731,150
<ALLOWANCE>                                     11,038
<TOTAL-ASSETS>                               1,138,437
<DEPOSITS>                                     931,720
<SHORT-TERM>                                    53,530
<LIABILITIES-OTHER>                              9,185
<LONG-TERM>                                        743
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        38,827
<OTHER-SE>                                     102,245
<TOTAL-LIABILITIES-AND-EQUITY>               1,183,437
<INTEREST-LOAN>                                 64,903
<INTEREST-INVEST>                               17,198
<INTEREST-OTHER>                                   754
<INTEREST-TOTAL>                                82,855
<INTEREST-DEPOSIT>                              31,481
<INTEREST-EXPENSE>                              34,196
<INTEREST-INCOME-NET>                           48,659
<LOAN-LOSSES>                                      709
<SECURITIES-GAINS>                                 472
<EXPENSE-OTHER>                                 31,496
<INCOME-PRETAX>                                 24,270
<INCOME-PRE-EXTRAORDINARY>                      18,135
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    18,135
<EPS-PRIMARY>                                     2.34
<EPS-DILUTED>                                     2.34
<YIELD-ACTUAL>                                    8.37
<LOANS-NON>                                      2,402
<LOANS-PAST>                                     1,803
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    418
<ALLOWANCE-OPEN>                                11,268     
<CHARGE-OFFS>                                    1,079
<RECOVERIES>                                       140
<ALLOWANCE-CLOSE>                               11,038   
<ALLOWANCE-DOMESTIC>                             5,607 
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,431
        


</TABLE>