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

  

<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                       
<PERIOD-TYPE>                 9-MOS
<FISCAL-YEAR-END>                            DEC-31-1994
<PERIOD-END>                                 SEP-30-1995
<CASH>                                       40,457
<INT-BEARING-DEPOSITS>                          301
<FED-FUNDS-SOLD>                             17,050
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                 164,984
<INVESTMENTS-CARRYING>                      272,277
<INVESTMENTS-MARKET>                        273,180
<LOANS>                                     832,554
<ALLOWANCE>                                  12,943
<TOTAL-ASSETS>                            1,359,365
<DEPOSITS>                                1,106,075
<SHORT-TERM>                                 71,148
<LIABILITIES-OTHER>                          13,834
<LONG-TERM>                                     977
<PREFERRED-MANDATORY>                         1,883      
<PREFERRED>                                       0
<COMMON>                                     18,087 
<OTHER-SE>                                  147,361
<TOTAL-LIABILITIES-AND-EQUITY>            1,357,482
<INTEREST-LOAN>                              52,438
<INTEREST-INVEST>                            19,230
<INTEREST-OTHER>                                926 
<INTEREST-TOTAL>                             72,594
<INTEREST-DEPOSIT>                           28,578
<INTEREST-EXPENSE>                           30,835
<INTEREST-INCOME-NET>                        41,759
<LOAN-LOSSES>                                 1,673
<SECURITIES-GAINS>                              437
<EXPENSE-OTHER>                              28,957
<INCOME-PRETAX>                              19,626
<INCOME-PRE-EXTRAORDINAR>                    19,626 
<EXTRAORDINARY>                                   0   
<CHANGES>                                         0 
<NET-INCOME>                                 13,958 
<EPS-PRIMARY>                                  1.63 
<EPS-DILUTED>                                  1.63 
<YIELD-ACTUAL>                                    0   
<LOANS-NON>                                       0
<LOANS-PAST>                                      0
<LOANS-TROUBLED>                                  0
<LOANS-PROBLEM>                                   0
		    
<ALLOWANCE-OPEN>                                  0
<CHARGE-OFFS>                                     0
<RECOVERIES>                                      0
<ALLOWANCE-CLOSE>                                 0    
<ALLOWANCE-DOMESTIC>                              0
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                           0