<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the
consolidated statements of condition and income and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                          38,545
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                56,035
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     35,742
<INVESTMENTS-CARRYING>                          84,751
<INVESTMENTS-MARKET>                            83,135
<LOANS>                                        594,709
<ALLOWANCE>                                      9,929
<TOTAL-ASSETS>                                 834,052
<DEPOSITS>                                     743,994
<SHORT-TERM>                                     8,179
<LIABILITIES-OTHER>                              8,322
<LONG-TERM>                                        774
<COMMON>                                         4,067
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      68,716
<TOTAL-LIABILITIES-AND-EQUITY>                 834,052
<INTEREST-LOAN>                                 14,041
<INTEREST-INVEST>                                1,134
<INTEREST-OTHER>                                 1,120
<INTEREST-TOTAL>                                16,295
<INTEREST-DEPOSIT>                               6,416
<INTEREST-EXPENSE>                               6,551
<INTEREST-INCOME-NET>                            9,744
<LOAN-LOSSES>                                      230
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  9,000
<INCOME-PRETAX>                                  4,715
<INCOME-PRE-EXTRAORDINARY>                       4,715
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,963
<EPS-PRIMARY>                                      .73
<EPS-DILUTED>                                      .73
<YIELD-ACTUAL>                                    5.16
<LOANS-NON>                                          0<F1>
<LOANS-PAST>                                         0<F1>
<LOANS-TROUBLED>                                     0<F1>
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                 9,836
<CHARGE-OFFS>                                        0<F1>
<RECOVERIES>                                         0<F1>
<ALLOWANCE-CLOSE>                                9,929
<ALLOWANCE-DOMESTIC>                             9,929
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Not reported in an interim financial statement.
</FN>