<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE THIRD QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </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> 16,906 <INT-BEARING-DEPOSITS> 237 <FED-FUNDS-SOLD> 193 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 72,201 <INVESTMENTS-CARRYING> 127,230 <INVESTMENTS-MARKET> 127,691 <LOANS> 324,356 <ALLOWANCE> 5,650 <TOTAL-ASSETS> 556,800 <DEPOSITS> 429,844 <SHORT-TERM> 69,681 <LIABILITIES-OTHER> 5,064 <LONG-TERM> 17,432 <COMMON> 1,438 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 33,341 <TOTAL-LIABILITIES-AND-EQUITY> 556,800 <INTEREST-LOAN> 22,152 <INTEREST-INVEST> 8,628 <INTEREST-OTHER> 161 <INTEREST-TOTAL> 30,941 <INTEREST-DEPOSIT> 12,363 <INTEREST-EXPENSE> 15,846 <INTEREST-INCOME-NET> 15,095 <LOAN-LOSSES> 90 <SECURITIES-GAINS> (27) <EXPENSE-OTHER> 11,929 <INCOME-PRETAX> 6,292 <INCOME-PRE-EXTRAORDINARY> 4,093 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,093 <EPS-PRIMARY> 2.85 <EPS-DILUTED> 2.85 <YIELD-ACTUAL> 4.11 <LOANS-NON> 428 <LOANS-PAST> 382 <LOANS-TROUBLED> 1,446 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,866 <CHARGE-OFFS> 128 <RECOVERIES> 76 <ALLOWANCE-CLOSE> 5,650 <ALLOWANCE-DOMESTIC> 1,327 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4,323