<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 44,415 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 18,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 127,337 <INVESTMENTS-CARRYING> 4,247 <INVESTMENTS-MARKET> 4,230 <LOANS> 204,710 <ALLOWANCE> 3,146 <TOTAL-ASSETS> 425,420 <DEPOSITS> 371,792 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,659 <LONG-TERM> 0 <COMMON> 40,493 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 9,476 <TOTAL-LIABILITIES-AND-EQUITY> 425,420 <INTEREST-LOAN> 16,843 <INTEREST-INVEST> 6,471 <INTEREST-OTHER> 346 <INTEREST-TOTAL> 23,660 <INTEREST-DEPOSIT> 5,257 <INTEREST-EXPENSE> 5,284 <INTEREST-INCOME-NET> 18,376 <LOAN-LOSSES> 1,025 <SECURITIES-GAINS> 46 <EXPENSE-OTHER> 17,262 <INCOME-PRETAX> 3,984 <INCOME-PRE-EXTRAORDINARY> 3,984 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,595 <EPS-PRIMARY> .65 <EPS-DILUTED> .65 <YIELD-ACTUAL> 5.06 <LOANS-NON> 4,875 <LOANS-PAST> 232 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 7,866 <ALLOWANCE-OPEN> 2,818 <CHARGE-OFFS> 1,352 <RECOVERIES> 655 <ALLOWANCE-CLOSE> 3,146 <ALLOWANCE-DOMESTIC> 3,146 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,506