<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <CASH> 50,721 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 302,586 <INVESTMENTS-CARRYING> 302,586 <INVESTMENTS-MARKET> 306,592 <LOANS> 495,381 <ALLOWANCE> 6,424 <TOTAL-ASSETS> 960,280 <DEPOSITS> 722,380 <SHORT-TERM> 158,765 <LIABILITIES-OTHER> 9,621 <LONG-TERM> 550 <COMMON> 3,485 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 65,478 <TOTAL-LIABILITIES-AND-EQUITY> 960,280 <INTEREST-LOAN> 11,471 <INTEREST-INVEST> 7,185 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 18,656 <INTEREST-DEPOSIT> 5,891 <INTEREST-EXPENSE> 8,230 <INTEREST-INCOME-NET> 10,426 <LOAN-LOSSES> 254 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,024 <INCOME-PRETAX> 4,545 <INCOME-PRE-EXTRAORDINARY> 4,545 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,752 <EPS-PRIMARY> 0.98 <EPS-DILUTED> 0.98 <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