<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-Q filed as of September 30, 1995.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                          18,202
<INT-BEARING-DEPOSITS>                             277
<FED-FUNDS-SOLD>                                13,650
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    126,612
<INVESTMENTS-CARRYING>                           9,807
<INVESTMENTS-MARKET>                            10,044
<LOANS>                                        370,259
<ALLOWANCE>                                      6,781
<TOTAL-ASSETS>                                 550,658
<DEPOSITS>                                     441,403
<SHORT-TERM>                                    31,653
<LIABILITIES-OTHER>                              5,494
<LONG-TERM>                                     21,508
<COMMON>                                        30,830
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      22,274
<TOTAL-LIABILITIES-AND-EQUITY>                 550,658
<INTEREST-LOAN>                                 16,751
<INTEREST-INVEST>                                3,733
<INTEREST-OTHER>                                 3,395
<INTEREST-TOTAL>                                31,965
<INTEREST-DEPOSIT>                               8,809
<INTEREST-EXPENSE>                              15,320
<INTEREST-INCOME-NET>                           16,645
<LOAN-LOSSES>                                      955
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                 12,187
<INCOME-PRETAX>                                  6,657
<INCOME-PRE-EXTRAORDINARY>                       4,630
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,630
<EPS-PRIMARY>                                     1.45
<EPS-DILUTED>                                     1.45
<YIELD-ACTUAL>                                    4.61
<LOANS-NON>                                        382
<LOANS-PAST>                                     1,024
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,698
<ALLOWANCE-OPEN>                                 6,783
<CHARGE-OFFS>                                    1,285
<RECOVERIES>                                       328
<ALLOWANCE-CLOSE>                                6,781
<ALLOWANCE-DOMESTIC>                             6,781
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0