<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