<TABLE> <S> <C>

<ARTICLE>                           9
<MULTIPLIER>                        1000

<S>                                                <C>
<PERIOD-TYPE>                                      12-mos
<FISCAL-YEAR-END>                                  Dec-31-1995
<PERIOD-END>                                       Dec-31-1995
<CASH>                                                       58766
<INT-BEARING-DEPOSITS>                                        2017
<FED-FUNDS-SOLD>                                             42975
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 159683
<INVESTMENTS-CARRYING>                                        3889
<INVESTMENTS-MARKET>                                          3908
<LOANS>                                                     774791
<ALLOWANCE>                                                  14991
<TOTAL-ASSETS>                                             1069692
<DEPOSITS>                                                  840516
<SHORT-TERM>                                                 77000
<LIABILITIES-OTHER>                                          11589
<LONG-TERM>                                                   9000
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                      4649
<OTHER-SE>                                                   80389
<TOTAL-LIABILITIES-AND-EQUITY>                             1069692
<INTEREST-LOAN>                                              65652
<INTEREST-INVEST>                                             5903
<INTEREST-OTHER>                                              2721
<INTEREST-TOTAL>                                             74276
<INTEREST-DEPOSIT>                                           28287
<INTEREST-EXPENSE>                                           33049
<INTEREST-INCOME-NET>                                        41227
<LOAN-LOSSES>                                                 3986
<SECURITIES-GAINS>                                             333
<EXPENSE-OTHER>                                              31160
<INCOME-PRETAX>                                              13050
<INCOME-PRE-EXTRAORDINARY>                                    8479
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  8479
<EPS-PRIMARY>                                                 1.87
<EPS-DILUTED>                                                 1.63
<YIELD-ACTUAL>                                                4.82
<LOANS-NON>                                                  13127
<LOANS-PAST>                                                  6898
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                              8986
<CHARGE-OFFS>                                                 4855
<RECOVERIES>                                                   753
<ALLOWANCE-CLOSE>                                            14991
<ALLOWANCE-DOMESTIC>                                         14991
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>