<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 20,875 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 13,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 22,962 <INVESTMENTS-CARRYING> 3,263 <INVESTMENTS-MARKET> 3,238 <LOANS> 222075 <ALLOWANCE> 3738 <TOTAL-ASSETS> 311034 <DEPOSITS> 268344 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3457 <LONG-TERM> 10000 <COMMON> 10634 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 18599 <TOTAL-LIABILITIES-AND-EQUITY> 311034 <INTEREST-LOAN> 16904 <INTEREST-INVEST> 1153 <INTEREST-OTHER> 360 <INTEREST-TOTAL> 18502 <INTEREST-DEPOSIT> 5188 <INTEREST-EXPENSE> 5841 <INTEREST-INCOME-NET> 12661 <LOAN-LOSSES> 980 <SECURITIES-GAINS> (41) <EXPENSE-OTHER> 15159 <INCOME-PRETAX> 2580 <INCOME-PRE-EXTRAORDINARY> 1587 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1587 <EPS-PRIMARY> .59 <EPS-DILUTED> .53 <YIELD-ACTUAL> 7.32 <LOANS-NON> 3991 <LOANS-PAST> 1520 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3546 <CHARGE-OFFS> 814 <RECOVERIES> 26 <ALLOWANCE-CLOSE> 3738 <ALLOWANCE-DOMESTIC> 3738 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0