<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 51,827 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 242,340 <INVESTMENTS-CARRYING> 413,684 <INVESTMENTS-MARKET> 416,621 <LOANS> 846,950 <ALLOWANCE> 10,200 <TOTAL-ASSETS> 1,352,073 <DEPOSITS> 1,058,084 <SHORT-TERM> 133,761 <LIABILITIES-OTHER> 10,812 <LONG-TERM> 26,883 <COMMON> 727 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 121,806 <TOTAL-LIABILITIES-AND-EQUITY> 1,352,073 <INTEREST-LOAN> 53,563 <INTEREST-INVEST> 18,893 <INTEREST-OTHER> 533 <INTEREST-TOTAL> 72,989 <INTEREST-DEPOSIT> 31,556 <INTEREST-EXPENSE> 5,642 <INTEREST-INCOME-NET> 35,791 <LOAN-LOSSES> 1,623 <SECURITIES-GAINS> (27) <EXPENSE-OTHER> 26,693 <INCOME-PRETAX> 12,594 <INCOME-PRE-EXTRAORDINARY> 12,594 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,162 <EPS-PRIMARY> 1.59 <EPS-DILUTED> 1.59 <YIELD-ACTUAL> 4.22 <LOANS-NON> 3,243 <LOANS-PAST> 3,089 <LOANS-TROUBLED> 185 <LOANS-PROBLEM> 2,100 <ALLOWANCE-OPEN> 9,649 <CHARGE-OFFS> 2,178 <RECOVERIES> 1,106 <ALLOWANCE-CLOSE> 10,200 <ALLOWANCE-DOMESTIC> 10,200 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0