<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED SEPTEMBER 30, 1996 AS PRESENTED IN ITS THIRD QUARTER 1996 FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          27,544
<INT-BEARING-DEPOSITS>                              98
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    177,271
<INVESTMENTS-CARRYING>                          10,176
<INVESTMENTS-MARKET>                            10,176
<LOANS>                                        281,543
<ALLOWANCE>                                      3,903
<TOTAL-ASSETS>                                 518,000
<DEPOSITS>                                     440,152
<SHORT-TERM>                                    15,368
<LIABILITIES-OTHER>                              8,223
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,750
<OTHER-SE>                                      43,506
<TOTAL-LIABILITIES-AND-EQUITY>                 518,000
<INTEREST-LOAN>                                 18,797
<INTEREST-INVEST>                                8,597
<INTEREST-OTHER>                                   422
<INTEREST-TOTAL>                                27,816
<INTEREST-DEPOSIT>                              10,690
<INTEREST-EXPENSE>                              11,109
<INTEREST-INCOME-NET>                           16,707
<LOAN-LOSSES>                                      450
<SECURITIES-GAINS>                                 540
<EXPENSE-OTHER>                                 14,720
<INCOME-PRETAX>                                  6,786
<INCOME-PRE-EXTRAORDINARY>                       4,409
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,409
<EPS-PRIMARY>                                     2.12
<EPS-DILUTED>                                     2.12
<YIELD-ACTUAL>                                    4.79
<LOANS-NON>                                      1,587
<LOANS-PAST>                                     1,004
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,900
<CHARGE-OFFS>                                      513
<RECOVERIES>                                        66
<ALLOWANCE-CLOSE>                                3,903
<ALLOWANCE-DOMESTIC>                             1,775
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,128