<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<EXCHANGE-RATE>                                      1
<CASH>                                          24,641
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<INVESTMENTS-CARRYING>                           5,089
<INVESTMENTS-MARKET>                             5,138
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<ALLOWANCE>                                      5,753
<TOTAL-ASSETS>                                 310,568
<DEPOSITS>                                     269,785
<SHORT-TERM>                                     5,488
<LIABILITIES-OTHER>                              3,059
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<INTEREST-INVEST>                                3,956
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<INTEREST-EXPENSE>                               4,047
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<LOAN-LOSSES>                                      755
<SECURITIES-GAINS>                                  48
<EXPENSE-OTHER>                                 10,510
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<CHARGE-OFFS>                                      913
<RECOVERIES>                                        33
<ALLOWANCE-CLOSE>                                5,752
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<ALLOWANCE-FOREIGN>                                  0
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