<ARTICLE> 9 <MULTIPLIER> 1 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-END> SEP-30-1994 <CASH> 34,621,192 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 207,652,744 <INVESTMENTS-CARRYING> 207,652,744 <INVESTMENTS-MARKET> 205,605,000 <LOANS> 469,479,535 <ALLOWANCE> 6,042,109 <TOTAL-ASSETS> 851,930,506 <DEPOSITS> 687,916,622 <SHORT-TERM> 92,800,000 <LIABILITIES-OTHER> 6,183,432 <LONG-TERM> 0 <COMMON> 3,468,938 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 61,561,514 <TOTAL-LIABILITIES-AND-EQUITY> 851,930,506 <INTEREST-LOAN> 30,332,082 <INTEREST-INVEST> 14,505,769 <INTEREST-OTHER> 1,133 <INTEREST-TOTAL> 44,838,984 <INTEREST-DEPOSIT> 12,996,191 <INTEREST-EXPENSE> 15,227,203 <INTEREST-INCOME-NET> 29,611,781 <LOAN-LOSSES> 976,505 <SECURITIES-GAINS> (1,695) <EXPENSE-OTHER> 19,565,229 <INCOME-PRETAX> 12,599,871 <INCOME-PRE-EXTRAORDINARY> 12,599,871 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,761,871 <EPS-PRIMARY> 2.76 <EPS-DILUTED> 2.76 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0