<ARTICLE> 9
       
                                        
<PERIOD-TYPE>                                 9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                           9,828
<INT-BEARING-DEPOSITS>                             924
<FED-FUNDS-SOLD>                               104,541
<TRADING-ASSETS>                                20,668
<INVESTMENTS-HELD-FOR-SALE>                    243,587
<INVESTMENTS-CARRYING>                         204,763
<INVESTMENTS-MARKET>                           206,365
<LOANS>                                        243,937
<ALLOWANCE>                                    (2,598)
<TOTAL-ASSETS>                                 846,510
<DEPOSITS>                                     753,853
<SHORT-TERM>                                     1,206
<LIABILITIES-OTHER>                              5,435
<LONG-TERM>                                      1,249
<COMMON>                                         5,390
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      79,377
<TOTAL-LIABILITIES-AND-EQUITY>                 846,510
<INTEREST-LOAN>                                 14,627
<INTEREST-INVEST>                               23,803
<INTEREST-OTHER>                                 3,882
<INTEREST-TOTAL>                                42,312
<INTEREST-DEPOSIT>                              22,801
<INTEREST-EXPENSE>                              22,801
<INTEREST-INCOME-NET>                           19,511
<LOAN-LOSSES>                                      140
<SECURITIES-GAINS>                                (18)
<EXPENSE-OTHER>                                 10,118
<INCOME-PRETAX>                                 10,666
<INCOME-PRE-EXTRAORDINARY>                      10,666
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,512
<EPS-PRIMARY>                                     2.34
<EPS-DILUTED>                                     2.32
<YIELD-ACTUAL>                                    3.19
<LOANS-NON>                                      2,023
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,023
<ALLOWANCE-OPEN>                                 2,566
<CHARGE-OFFS>                                    (150)
<RECOVERIES>                                        42
<ALLOWANCE-CLOSE>                                2,598
<ALLOWANCE-DOMESTIC>                               273
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,325