<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                    <C>                    <C>
<PERIOD-TYPE>                   3-MOS                  6-MOS                  9-MOS
<FISCAL-YEAR-END>                       DEC-31-1995             DEC-31-1995            DEC-31-1995
<PERIOD-END>                            MAR-31-1995             JUN-30-1995            SEP-30-1995
<CASH>                                        68183                   81834                  73059
<INT-BEARING-DEPOSITS>                      1277250                 1276664                1274628
<FED-FUNDS-SOLD>                              48185                   30130                  27025
<TRADING-ASSETS>                                 24                      26                     21
<INVESTMENTS-HELD-FOR-SALE>                  375100                  368233                 385706
<INVESTMENTS-CARRYING>                        47912                   45231                  44399
<INVESTMENTS-MARKET>                          48993                   46784                  46105
<LOANS>                                     1132005                 1143641                1154393
<ALLOWANCE>                                   17701                   17769                  17480
<TOTAL-ASSETS>                              1742219                 1739440                1755778
<DEPOSITS>                                  1512237                 1509779                1512038
<SHORT-TERM>                                  33655                   36144                  47234
<LIABILITIES-OTHER>                           17940                   17484                  16050
<LONG-TERM>                                   10595                     200                    155
<COMMON>                                       9839                    9839                   9839
<PREFERRED-MANDATORY>                             0                       0                      0
<PREFERRED>                                       0                       0                      0
<OTHER-SE>                                   157953                  165994                 170462
<TOTAL-LIABILITIES-AND-EQUITY>              1742219                 1739440                1755778
<INTEREST-LOAN>                               24350                   49813                  75613
<INTEREST-INVEST>                              6201                   11881                  17631
<INTEREST-OTHER>                                243                     862                   1598
<INTEREST-TOTAL>                              30794                   62556                  94842
<INTEREST-DEPOSIT>                            11436                   24382                  38057
<INTEREST-EXPENSE>                            12574                   26148                  40289
<INTEREST-INCOME-NET>                         18220                   36408                  54553
<LOAN-LOSSES>                                   525                    1050                   1575
<SECURITIES-GAINS>                                8                      20                     17
<EXPENSE-OTHER>                                3677                    7522                  10515
<INCOME-PRETAX>                                9360                   18888                  28701
<INCOME-PRE-EXTRAORDINARY>                     9360                   18888                  28701
<EXTRAORDINARY>                                   0                       0                      0
<CHANGES>                                         0                       0                      0
<NET-INCOME>                                   6047                   12201                  18506
<EPS-PRIMARY>                                   .61                    1.22                   1.85
<EPS-DILUTED>                                   .61                    1.22                   1.85
<YIELD-ACTUAL>                                 4.66                    4.63                   4.56
<LOANS-NON>                                    4400                    9332                   9501
<LOANS-PAST>                                   1679                    2551                   2347
<LOANS-TROUBLED>                                391                     367                    376
<LOANS-PROBLEM>                                9457                    9457                   2303
<ALLOWANCE-OPEN>                              17801                   17801                  17801
<CHARGE-OFFS>                                   961                    1788                   2977
<RECOVERIES>                                    336                     706                   1081
<ALLOWANCE-CLOSE>                             17701                   17769                  17805
<ALLOWANCE-DOMESTIC>                           6941                    7009                   7045
<ALLOWANCE-FOREIGN>                               0                       0                      0
<ALLOWANCE-UNALLOCATED>                       10760                   10760                  10760
        

</TABLE>