<ARTICLE> 9
<LEGEND>
(This schedule contains summary financial information extracted from the
Consolidated Statements of Position, the Consolidated Statements of
Earnings, the Notes to Consolidated Financial Statements and the Seclected
Consolidated Financial and Other Data 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>                                          15,273
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 5,580
<TRADING-ASSETS>                                   755
<INVESTMENTS-HELD-FOR-SALE>                    228,000
<INVESTMENTS-CARRYING>                         100,461
<INVESTMENTS-MARKET>                            98,507
<LOANS>                                        859,497
<ALLOWANCE>                                    (6,750)
<TOTAL-ASSETS>                               1,237,523
<DEPOSITS>                                   1,045,123
<SHORT-TERM>                                    13,260
<LIABILITIES-OTHER>                              4,811
<LONG-TERM>                                     90,312
<COMMON>                                         3,222
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      74,929
<TOTAL-LIABILITIES-AND-EQUITY>               1,237,523
<INTEREST-LOAN>                                 47,911
<INTEREST-INVEST>                               16,008
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                63,919
<INTEREST-DEPOSIT>                              33,933
<INTEREST-EXPENSE>                              37,785
<INTEREST-INCOME-NET>                           26,134
<LOAN-LOSSES>                                    1,825
<SECURITIES-GAINS>                             (1,035)
<EXPENSE-OTHER>                                 17,788
<INCOME-PRETAX>                                  8,870
<INCOME-PRE-EXTRAORDINARY>                       5,289
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,289
<EPS-PRIMARY>                                     1.71
<EPS-DILUTED>                                     1.71
<YIELD-ACTUAL>                                    2.98
<LOANS-NON>                                     14,189
<LOANS-PAST>                                       314
<LOANS-TROUBLED>                                 4,385
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,803
<CHARGE-OFFS>                                  (2,183)
<RECOVERIES>                                       305
<ALLOWANCE-CLOSE>                                6,750
<ALLOWANCE-DOMESTIC>                             6,750
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0