<TABLE> <S> <C>

<ARTICLE>             9
       

<S>                                 <C>
<PERIOD-TYPE>                       YEAR
<FISCAL-YEAR-END>                                 DEC-31-1995
<PERIOD-END>                                      DEC-31-1995
<CASH>                                                 85,670
<INT-BEARING-DEPOSITS>                              1,114,413
<FED-FUNDS-SOLD>                                       46,700
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                           300,721
<INVESTMENTS-CARRYING>                                265,703
<INVESTMENTS-MARKET>                                  268,902
<LOANS>                                               853,984
<ALLOWANCE>                                            16,951
<TOTAL-ASSETS>                                      1,613,194
<DEPOSITS>                                          1,425,001
<SHORT-TERM>                                           21,654
<LIABILITIES-OTHER>                                    11,573
<LONG-TERM>                                            25,000
<COMMON>                                               23,372
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<OTHER-SE>                                            106,594
<TOTAL-LIABILITIES-AND-EQUITY>                      1,613,194
<INTEREST-LOAN>                                        80,503
<INTEREST-INVEST>                                      39,065
<INTEREST-OTHER>                                        1,143
<INTEREST-TOTAL>                                      120,711
<INTEREST-DEPOSIT>                                     35,557
<INTEREST-EXPENSE>                                     39,609
<INTEREST-INCOME-NET>                                  81,102
<LOAN-LOSSES>                                           4,200
<SECURITIES-GAINS>                                        947
<EXPENSE-OTHER>                                        60,164
<INCOME-PRETAX>                                        34,529
<INCOME-PRE-EXTRAORDINARY>                             34,529
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                           23,684
<EPS-PRIMARY>                                            1.82
<EPS-DILUTED>                                            1.79
<YIELD-ACTUAL>                                           5.46
<LOANS-NON>                                            15,593
<LOANS-PAST>                                            5,473
<LOANS-TROUBLED>                                          745
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                       16,559
<CHARGE-OFFS>                                          (5,248)
<RECOVERIES>                                            1,440
<ALLOWANCE-CLOSE>                                      16,951
<ALLOWANCE-DOMESTIC>                                   11,175
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                 5,776
        




</TABLE>