WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE>   9
<MULTIPLIER> 1000
       
                                    
<PERIOD-TYPE>                          12-MOS
<FISCAL-YEAR-END>                      DEC-31-1995
<PERIOD-END>                           DEC-31-1995
<CASH>                                 30,901
<INT-BEARING-DEPOSITS>                 456
<FED-FUNDS-SOLD>                       16,527
<TRADING-ASSETS>                       0
<INVESTMENTS-HELD-FOR-SALE>            56,080
<INVESTMENTS-CARRYING>                 168,439
<INVESTMENTS-MARKET>                   170,665
<LOANS>                                585,971
<ALLOWANCE>                            8,854
<TOTAL-ASSETS>                         881,888
<DEPOSITS>                             725,027
<SHORT-TERM>                           46,812
<LIABILITIES-OTHER>                    16,628
<LONG-TERM>                            4,085
<COMMON>                               19,638
<PREFERRED-MANDATORY>                  0
<PREFERRED>                            0
<OTHER-SE>                             69,698
<TOTAL-LIABILITIES-AND-EQUITY>         881,888
<INTEREST-LOAN>                        51,322
<INTEREST-INVEST>                      11,607
<INTEREST-OTHER>                       616
<INTEREST-TOTAL>                       63,545
<INTEREST-DEPOSIT>                     24,049
<INTEREST-EXPENSE>                     25,963
<INTEREST-INCOME-NET>                  37,582
<LOAN-LOSSES>                          1,895
<SECURITIES-GAINS>                     -66
<EXPENSE-OTHER>                        25,558
<INCOME-PRETAX>                        16,224
<INCOME-PRE-EXTRAORDINARY>             16,224
<EXTRAORDINARY>                        0
<CHANGES>                              0
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<EPS-PRIMARY>                          2.86
<EPS-DILUTED>                          2.86
<YIELD-ACTUAL>                         4.97
<LOANS-NON>                            5,855
<LOANS-PAST>                           397
<LOANS-TROUBLED>                       352
<LOANS-PROBLEM>                        0
<ALLOWANCE-OPEN>                       8,876
<CHARGE-OFFS>                          2,494
<RECOVERIES>                           577
<ALLOWANCE-CLOSE>                      8,854
<ALLOWANCE-DOMESTIC>                   8,854
<ALLOWANCE-FOREIGN>                    0
<ALLOWANCE-UNALLOCATED>                5,220