<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 10-Q
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   QTR-3
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               SEP-30-1994
<CASH>                                          32,461
<INT-BEARING-DEPOSITS>                              29
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     91,936
<INVESTMENTS-CARRYING>                          10,014
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        519,045
<ALLOWANCE>                                     19,299
<TOTAL-ASSETS>                                 702,857
<DEPOSITS>                                     596,127
<SHORT-TERM>                                     4,205
<LIABILITIES-OTHER>                              9,806
<LONG-TERM>                                     44,230
<COMMON>                                            42
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      48,447
<TOTAL-LIABILITIES-AND-EQUITY>                 702,857
<INTEREST-LOAN>                                 33,960
<INTEREST-INVEST>                                2,334
<INTEREST-OTHER>                                   720
<INTEREST-TOTAL>                                37,014
<INTEREST-DEPOSIT>                              13,234
<INTEREST-EXPENSE>                              16,612
<INTEREST-INCOME-NET>                           20,402
<LOAN-LOSSES>                                    4,250
<SECURITIES-GAINS>                                  62
<EXPENSE-OTHER>                                 21,820
<INCOME-PRETAX>                                  3,547
<INCOME-PRE-EXTRAORDINARY>                       3,223
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,223
<EPS-PRIMARY>                                     0.76
<EPS-DILUTED>                                     0.76
<YIELD-ACTUAL>                                    4.90
<LOANS-NON>                                     28,385
<LOANS-PAST>                                       106
<LOANS-TROUBLED>                                 5,014
<LOANS-PROBLEM>                                  2,267
<ALLOWANCE-OPEN>                                20,060
<CHARGE-OFFS>                                    6,926
<RECOVERIES>                                     1,915
<ALLOWANCE-CLOSE>                               19,299
<ALLOWANCE-DOMESTIC>                            19,299
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         19,299