<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AND CONSOLIDATED CONDENSED STATEMENT OF
INCOME FOUND ON PAGE 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE,
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               SEP-30-1994
<CASH>                                          21,889
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,225
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    100,447
<INVESTMENTS-CARRYING>                          89,957
<INVESTMENTS-MARKET>                            89,543
<LOANS>                                        393,394
<ALLOWANCE>                                      5,120
<TOTAL-ASSETS>                                 624,140
<DEPOSITS>                                     505,695
<SHORT-TERM>                                    42,533
<LIABILITIES-OTHER>                              4,638
<LONG-TERM>                                          0
<COMMON>                                           424
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      70,850
<TOTAL-LIABILITIES-AND-EQUITY>                 624,140
<INTEREST-LOAN>                                 23,344
<INTEREST-INVEST>                                8,476
<INTEREST-OTHER>                                    86
<INTEREST-TOTAL>                                31,906
<INTEREST-DEPOSIT>                              10,440
<INTEREST-EXPENSE>                              11,888
<INTEREST-INCOME-NET>                           20,018
<LOAN-LOSSES>                                      593
<SECURITIES-GAINS>                                  11
<EXPENSE-OTHER>                                 13,668
<INCOME-PRETAX>                                 10,454
<INCOME-PRE-EXTRAORDINARY>                       6,833
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,833
<EPS-PRIMARY>                                     2.02
<EPS-DILUTED>                                     2.02
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0