<ARTICLE> 9 <LEGEND> At September 30, 1995, and for the nine month period ended September 30, 1995: </LEGEND> <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-END> SEP-30-1995 <CASH> 31053 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 12750 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 103729 <INVESTMENTS-CARRYING> 119046 <INVESTMENTS-MARKET> 121612 <LOANS> 387788 <ALLOWANCE> 3973 <TOTAL-ASSETS> 686762 <DEPOSITS> 621120 <SHORT-TERM> 1893 <LIABILITIES-OTHER> 3374 <LONG-TERM> 0 <COMMON> 429 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 59946 <TOTAL-LIABILITIES-AND-EQUITY> 686762 <INTEREST-LOAN> 22095 <INTEREST-INVEST> 11698 <INTEREST-OTHER> 1736 <INTEREST-TOTAL> 35529 <INTEREST-DEPOSIT> 15182 <INTEREST-EXPENSE> 15473 <INTEREST-INCOME-NET> 20056 <LOAN-LOSSES> 125 <SECURITIES-GAINS> 262 <EXPENSE-OTHER> 18109 <INCOME-PRETAX> 7526 <INCOME-PRE-EXTRAORDINARY> 4933 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4933 <EPS-PRIMARY> 1.14 <EPS-DILUTED> 1.14 <YIELD-ACTUAL> 7.66 <LOANS-NON> 5410 <LOANS-PAST> 50 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3373 <CHARGE-OFFS> 413 <RECOVERIES> 332 <ALLOWANCE-CLOSE> 3973 <ALLOWANCE-DOMESTIC> 3973 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0