<ARTICLE>             9
<LEGEND>
At September 30, 1996, and for the nine month period ended September 30, 1996:
</LEGEND>
<MULTIPLIER>          1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          21,280
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    146,087
<INVESTMENTS-CARRYING>                          51,125
<INVESTMENTS-MARKET>                            51,357
<LOANS>                                        454,707
<ALLOWANCE>                                      4,218
<TOTAL-ASSETS>                                 700,902
<DEPOSITS>                                     619,107
<SHORT-TERM>                                    13,001
<LIABILITIES-OTHER>                              4,349
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           429
<OTHER-SE>                                      64,016
<TOTAL-LIABILITIES-AND-EQUITY>                 700,902
<INTEREST-LOAN>                                 27,824
<INTEREST-INVEST>                                9,766
<INTEREST-OTHER>                                   848
<INTEREST-TOTAL>                                38,438
<INTEREST-DEPOSIT>                              14,812
<INTEREST-EXPENSE>                              15,356
<INTEREST-INCOME-NET>                           23,082
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                  52
<EXPENSE-OTHER>                                 20,440
<INCOME-PRETAX>                                  8,839
<INCOME-PRE-EXTRAORDINARY>                       5,655
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,655
<EPS-PRIMARY>                                     1.32
<EPS-DILUTED>                                     1.32
<YIELD-ACTUAL>                                    7.71
<LOANS-NON>                                      2,496
<LOANS-PAST>                                        64
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,066
<CHARGE-OFFS>                                      415
<RECOVERIES>                                       267
<ALLOWANCE-CLOSE>                                4,218
<ALLOWANCE-DOMESTIC>                             4,218
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0