<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q FILED AS OF SEPTEMBER 30, 1994.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               SEP-30-1994
<CASH>                                          18,791
<INT-BEARING-DEPOSITS>                             693
<FED-FUNDS-SOLD>                                 7,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     95,544
<INVESTMENTS-CARRYING>                           8,322
<INVESTMENTS-MARKET>                             8,264
<LOANS>                                        348,452
<ALLOWANCE>                                      6,775
<TOTAL-ASSETS>                                 491,537
<DEPOSITS>                                     403,432
<SHORT-TERM>                                    13,674
<LIABILITIES-OTHER>                              4,698
<LONG-TERM>                                     24,613
<COMMON>                                        24,295
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      20,825
<TOTAL-LIABILITIES-AND-EQUITY>                 491,537
<INTEREST-LOAN>                                 20,872
<INTEREST-INVEST>                                5,025
<INTEREST-OTHER>                                   391
<INTEREST-TOTAL>                                26,288
<INTEREST-DEPOSIT>                               9,903
<INTEREST-EXPENSE>                              11,204
<INTEREST-INCOME-NET>                           15,084
<LOAN-LOSSES>                                      607
<SECURITIES-GAINS>                                 126
<EXPENSE-OTHER>                                 11,701
<INCOME-PRETAX>                                  5,852
<INCOME-PRE-EXTRAORDINARY>                       5,852
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,090
<EPS-PRIMARY>                                     1.41
<EPS-DILUTED>                                     1.41
<YIELD-ACTUAL>                                    4.61
<LOANS-NON>                                      1,165
<LOANS-PAST>                                     1,177
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,370
<CHARGE-OFFS>                                      903
<RECOVERIES>                                       701
<ALLOWANCE-CLOSE>                                6,775
<ALLOWANCE-DOMESTIC>                             6,775
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0