<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS DATED DECEMBER 31, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY>   U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<EXCHANGE-RATE>                                      1
<CASH>                                          19,236
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 9,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    108,969
<INVESTMENTS-CARRYING>                         167,263
<INVESTMENTS-MARKET>                           169,761
<LOANS>                                        768,598
<ALLOWANCE>                                     11,665
<TOTAL-ASSETS>                               1,110,847
<DEPOSITS>                                     743,205
<SHORT-TERM>                                     9,212
<LIABILITIES-OTHER>                              9,851
<LONG-TERM>                                    263,414
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           515
<OTHER-SE>                                      84,650
<TOTAL-LIABILITIES-AND-EQUITY>               1,110,847
<INTEREST-LOAN>                                 53,876
<INTEREST-INVEST>                               23,010
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                76,886
<INTEREST-DEPOSIT>                              29,246
<INTEREST-EXPENSE>                              44,552
<INTEREST-INCOME-NET>                           32,334
<LOAN-LOSSES>                                    1,295
<SECURITIES-GAINS>                                 327
<EXPENSE-OTHER>                                 19,860
<INCOME-PRETAX>                                 14,972
<INCOME-PRE-EXTRAORDINARY>                      14,972
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,338
<EPS-PRIMARY>                                     2.22
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    3.14
<LOANS-NON>                                     11,627
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 5,583
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                12,343
<CHARGE-OFFS>                                    2,767
<RECOVERIES>                                       794
<ALLOWANCE-CLOSE>                               11,665
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>