<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 8243 <INT-BEARING-DEPOSITS> 16805 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 20400 <INVESTMENTS-CARRYING> 50787 <INVESTMENTS-MARKET> 50993 <LOANS> 215754 <ALLOWANCE> (3319) <TOTAL-ASSETS> 318819 <DEPOSITS> 262169 <SHORT-TERM> 13975 <LIABILITIES-OTHER> 2258 <LONG-TERM> 6501 <COMMON> 1354 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 32562 <TOTAL-LIABILITIES-AND-EQUITY> 318819 <INTEREST-LOAN> 15317 <INTEREST-INVEST> 2970 <INTEREST-OTHER> 452 <INTEREST-TOTAL> 18739 <INTEREST-DEPOSIT> 7531 <INTEREST-EXPENSE> 8328 <INTEREST-INCOME-NET> 10411 <LOAN-LOSSES> 212 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 8573 <INCOME-PRETAX> 4179 <INCOME-PRE-EXTRAORDINARY> 4179 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3169 <EPS-PRIMARY> 2.47 <EPS-DILUTED> 2.43 <YIELD-ACTUAL> 8.22 <LOANS-NON> 1303 <LOANS-PAST> 888 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3425 <CHARGE-OFFS> 364 <RECOVERIES> 46 <ALLOWANCE-CLOSE> 3319 <ALLOWANCE-DOMESTIC> 3319 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2296