<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 46,932 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 47,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 370,132 <INVESTMENTS-CARRYING> 370,132 <INVESTMENTS-MARKET> 381,817 <LOANS> 544,990 <ALLOWANCE> 6,791 <TOTAL-ASSETS> 1,186,915 <DEPOSITS> 1,072,707 <SHORT-TERM> 0 <LIABILITIES-OTHER> 12,180 <LONG-TERM> 550 <COMMON> 4,593 <PREFERRED-MANDATORY> 0 <PREFERRED> 9,000 <OTHER-SE> 87,878 <TOTAL-LIABILITIES-AND-EQUITY> 1,186,915 <INTEREST-LOAN> 36,531 <INTEREST-INVEST> 23,107 <INTEREST-OTHER> 930 <INTEREST-TOTAL> 60,569 <INTEREST-DEPOSIT> 21,379 <INTEREST-EXPENSE> 26,838 <INTEREST-INCOME-NET> 33,731 <LOAN-LOSSES> 1,129 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 23,383 <INCOME-PRETAX> 13,799 <INCOME-PRE-EXTRAORDINARY> 13,799 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,353 <EPS-PRIMARY> 2.62 <EPS-DILUTED> 2.60 <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