<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AND CONSOLIDATED 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-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                          25,849
<INT-BEARING-DEPOSITS>                              93
<FED-FUNDS-SOLD>                                20,998
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    135,819
<INVESTMENTS-CARRYING>                          77,698
<INVESTMENTS-MARKET>                            77,946
<LOANS>                                        407,484
<ALLOWANCE>                                      5,114
<TOTAL-ASSETS>                                 686,304
<DEPOSITS>                                     537,331
<SHORT-TERM>                                    66,243
<LIABILITIES-OTHER>                              4,524
<LONG-TERM>                                          0
<COMMON>                                           632
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      77,574
<TOTAL-LIABILITIES-AND-EQUITY>                 686,304
<INTEREST-LOAN>                                 28,032
<INTEREST-INVEST>                                8,191
<INTEREST-OTHER>                                   596
<INTEREST-TOTAL>                                36,819
<INTEREST-DEPOSIT>                              14,090
<INTEREST-EXPENSE>                              15,936
<INTEREST-INCOME-NET>                           20,883
<LOAN-LOSSES>                                      480
<SECURITIES-GAINS>                                (66)
<EXPENSE-OTHER>                                 14,173
<INCOME-PRETAX>                                 11,343
<INCOME-PRE-EXTRAORDINARY>                       7,334
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,334
<EPS-PRIMARY>                                     1.45
<EPS-DILUTED>                                     1.45
<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