<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995
<PERIOD-END>                               SEP-30-1995             SEP-30-1995
<CASH>                                          68,751                  68,751
<INT-BEARING-DEPOSITS>                             197                     197
<FED-FUNDS-SOLD>                                   575                     575
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    209,357                 209,357
<INVESTMENTS-CARRYING>                          78,478                  78,478
<INVESTMENTS-MARKET>                            80,116                  80,116
<LOANS>                                      1,267,669               1,267,669
<ALLOWANCE>                                     13,659                  13,659
<TOTAL-ASSETS>                               1,715,150               1,715,150
<DEPOSITS>                                   1,412,209               1,412,209
<SHORT-TERM>                                   114,448                 114,448
<LIABILITIES-OTHER>                             24,873                  24,873
<LONG-TERM>                                     36,891                  36,891
<COMMON>                                        21,154                  21,154
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                     105,575                 105,575
<TOTAL-LIABILITIES-AND-EQUITY>               1,715,150               1,715,150
<INTEREST-LOAN>                                 84,995                  29,724
<INTEREST-INVEST>                               13,393                   4,317
<INTEREST-OTHER>                                   743                     181
<INTEREST-TOTAL>                                99,131                  34,222
<INTEREST-DEPOSIT>                              41,809                  14,839
<INTEREST-EXPENSE>                              47,355                  16,686
<INTEREST-INCOME-NET>                           51,776                  17,536
<LOAN-LOSSES>                                    2,080                     780
<SECURITIES-GAINS>                                (21)                    (21)
<EXPENSE-OTHER>                                 48,549                  15,801
<INCOME-PRETAX>                                 18,496                   6,719
<INCOME-PRE-EXTRAORDINARY>                      12,458                   4,544
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    12,458                   4,544
<EPS-PRIMARY>                                     1.10                     .40
<EPS-DILUTED>                                     1.09                     .40
<YIELD-ACTUAL>                                    4.58                    4.52
<LOANS-NON>                                      9,497                   9,497
<LOANS-PAST>                                     3,625                   3,625
<LOANS-TROUBLED>                                    17                      17
<LOANS-PROBLEM>                                  9,457                   9,457
<ALLOWANCE-OPEN>                                12,529                  13,429
<CHARGE-OFFS>                                    1,313                     681
<RECOVERIES>                                       363                     131
<ALLOWANCE-CLOSE>                               13,659                  13,659
<ALLOWANCE-DOMESTIC>                            13,659                  13,659
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>