<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS FOR THE PERIOD ENDED
SEPTEMBER 30, 1995 AS PRESENTED IN ITS SECOND QUARTER FORM 10-Q AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                          40,242
<INT-BEARING-DEPOSITS>                             355
<FED-FUNDS-SOLD>                                 6,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    152,046
<INVESTMENTS-CARRYING>                          17,725
<INVESTMENTS-MARKET>                            17,835
<LOANS>                                        253,556
<ALLOWANCE>                                      4,047
<TOTAL-ASSETS>                                 496,737
<DEPOSITS>                                     425,165
<SHORT-TERM>                                    11,978
<LIABILITIES-OTHER>                              8,755
<LONG-TERM>                                          0
<COMMON>                                        10,750
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      40,525
<TOTAL-LIABILITIES-AND-EQUITY>                 497,173
<INTEREST-LOAN>                                 17,720
<INTEREST-INVEST>                                8,653
<INTEREST-OTHER>                                   562
<INTEREST-TOTAL>                                26,935
<INTEREST-DEPOSIT>                              10,049
<INTEREST-EXPENSE>                              10,620
<INTEREST-INCOME-NET>                           16,315
<LOAN-LOSSES>                                      600
<SECURITIES-GAINS>                                 334
<EXPENSE-OTHER>                                 14,469
<INCOME-PRETAX>                                  6,021
<INCOME-PRE-EXTRAORDINARY>                       2,031
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,990
<EPS-PRIMARY>                                     1.91
<EPS-DILUTED>                                     1.91
<YIELD-ACTUAL>                                    4.86
<LOANS-NON>                                      1,129
<LOANS-PAST>                                       537
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,600
<CHARGE-OFFS>                                      242
<RECOVERIES>                                        89
<ALLOWANCE-CLOSE>                                4,047
<ALLOWANCE-DOMESTIC>                             1,555
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,492