<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