<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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             MAR-01-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                          27,881
<INT-BEARING-DEPOSITS>                              51
<FED-FUNDS-SOLD>                                 1,875
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    112,985
<INVESTMENTS-CARRYING>                          72,175
<INVESTMENTS-MARKET>                            71,654
<LOANS>                                        404,701
<ALLOWANCE>                                      5,072
<TOTAL-ASSETS>                                 639,656
<DEPOSITS>                                     522,348
<SHORT-TERM>                                    36,949
<LIABILITIES-OTHER>                              5,149
<LONG-TERM>                                          0
<COMMON>                                           421
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      73,262
<TOTAL-LIABILITIES-AND-EQUITY>                 639,656
<INTEREST-LOAN>                                  8,955
<INTEREST-INVEST>                                2,591
<INTEREST-OTHER>                                    42
<INTEREST-TOTAL>                                11,588
<INTEREST-DEPOSIT>                               4,058
<INTEREST-EXPENSE>                               4,661
<INTEREST-INCOME-NET>                            6,927
<LOAN-LOSSES>                                      160
<SECURITIES-GAINS>                                  10
<EXPENSE-OTHER>                                  1,633
<INCOME-PRETAX>                                  3,698
<INCOME-PRE-EXTRAORDINARY>                       2,391
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,391
<EPS-PRIMARY>                                      .71
<EPS-DILUTED>                                      .71
<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