<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               SEP-30-1994
<CASH>                                           43228
<INT-BEARING-DEPOSITS>                             397
<FED-FUNDS-SOLD>                                 12000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           64451
<INVESTMENTS-MARKET>                             62787
<LOANS>                                         152340
<ALLOWANCE>                                       7470
<TOTAL-ASSETS>                                  280436
<DEPOSITS>                                      242532
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               8878
<LONG-TERM>                                          0
<COMMON>                                         26429
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                        2597
<TOTAL-LIABILITIES-AND-EQUITY>                  280436
<INTEREST-LOAN>                                   9660
<INTEREST-INVEST>                                 2715
<INTEREST-OTHER>                                    46
<INTEREST-TOTAL>                                 12421
<INTEREST-DEPOSIT>                                2393
<INTEREST-EXPENSE>                                2647
<INTEREST-INCOME-NET>                             9774
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  11221
<INCOME-PRETAX>                                   3272
<INCOME-PRE-EXTRAORDINARY>                        1857
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1857
<EPS-PRIMARY>                                      .40
<EPS-DILUTED>                                      .40
<YIELD-ACTUAL>                                    5.81
<LOANS-NON>                                        113
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                  1757
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  6513
<CHARGE-OFFS>                                     1159
<RECOVERIES>                                      2116
<ALLOWANCE-CLOSE>                                 7470
<ALLOWANCE-DOMESTIC>                              7470
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0