<ARTICLE> 9
 <PERIOD-TYPE>   9-MOS
       

                                                         
 <FISCAL-YEAR-END>                                                                                    DEC-31-1995
 <PERIOD-END>                                                                                         SEP-30-1995
 <CASH>                                                                                                14,120,000
 <INT-BEARING-DEPOSITS>                                                                                   795,000
 <FED-FUNDS-SOLD>                                                                                      10,250,000
 <TRADING-ASSETS>                                                                                               0
 <INVESTMENTS-HELD-FOR-SALE>                                                                           64,259,000
 <INVESTMENTS-CARRYING>                                                                                61,246,000
 <INVESTMENTS-MARKET>                                                                                  61,831,000
 <LOANS>                                                                                              308,562,000
 <ALLOWANCE>                                                                                            2,788,000
 <TOTAL-ASSETS>                                                                                       480,208,000
 <DEPOSITS>                                                                                           398,870,000
 <SHORT-TERM>                                                                                          35,120,000
 <LIABILITIES-OTHER>                                                                                    3,818,000
 <LONG-TERM>                                                                                            7,450,000
 <COMMON>                                                                                               3,549,000
 <PREFERRED-MANDATORY>                                                                                          0
 <PREFERRED>                                                                                            3,100,000
 <OTHER-SE>                                                                                            28,325,000
 <TOTAL-LIABILITIES-AND-EQUITY>                                                                       480,208,000
 <INTEREST-LOAN>                                                                                       18,593,000
 <INTEREST-INVEST>                                                                                      5,902,000
 <INTEREST-OTHER>                                                                                         290,000
 <INTEREST-TOTAL>                                                                                      24,785,000
 <INTEREST-DEPOSIT>                                                                                    10,973,000
 <INTEREST-EXPENSE>                                                                                    12,303,000
 <INTEREST-INCOME-NET>                                                                                 12,482,000
 <LOAN-LOSSES>                                                                                            138,000
 <SECURITIES-GAINS>                                                                                             0
 <EXPENSE-OTHER>                                                                                       10,894,000
 <INCOME-PRETAX>                                                                                        4,396,000
 <INCOME-PRE-EXTRAORDINARY>                                                                             4,396,000
 <EXTRAORDINARY>                                                                                                0
 <CHANGES>                                                                                                      0
 <NET-INCOME>                                                                                           3,006,000
 <EPS-PRIMARY>                                                                              3.15
 <EPS-DILUTED>                                                                              2.97
 <YIELD-ACTUAL>                                                                             3.98
 <LOANS-NON>                                                                                              380,000
 <LOANS-PAST>                                                                                             232,000
 <LOANS-TROUBLED>                                                                                         634,000
 <LOANS-PROBLEM>                                                                                                0
 <ALLOWANCE-OPEN>                                                                                       2,608,000
 <CHARGE-OFFS>                                                                                             56,000
 <RECOVERIES>                                                                                              98,000
 <ALLOWANCE-CLOSE>                                                                                      2,788,000
 <ALLOWANCE-DOMESTIC>                                                                                   2,788,000
 <ALLOWANCE-FOREIGN>                                                                                            0
 <ALLOWANCE-UNALLOCATED>                                                                                  810,000