<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> 36,745 <INT-BEARING-DEPOSITS> 282,062 <FED-FUNDS-SOLD> 27,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 42,411 <INVESTMENTS-CARRYING> 54,180 <INVESTMENTS-MARKET> 52,501 <LOANS> 278,699 <ALLOWANCE> 5,354 <TOTAL-ASSETS> 468,227 <DEPOSITS> 415,602 <SHORT-TERM> 6,566 <LIABILITIES-OTHER> 1,380 <LONG-TERM> 0 <COMMON> 37,643 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 7,598 <TOTAL-LIABILITIES-AND-EQUITY> 468,227 <INTEREST-LOAN> 18,789 <INTEREST-INVEST> 5,060 <INTEREST-OTHER> 727 <INTEREST-TOTAL> 24,577 <INTEREST-DEPOSIT> 8,221 <INTEREST-EXPENSE> 9,140 <INTEREST-INCOME-NET> 15,437 <LOAN-LOSSES> 1,224 <SECURITIES-GAINS> (620) <EXPENSE-OTHER> 18,092 <INCOME-PRETAX> (147) <INCOME-PRE-EXTRAORDINARY> (133) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (133) <EPS-PRIMARY> (0.02) <EPS-DILUTED> (0.02) <YIELD-ACTUAL> 5.19 <LOANS-NON> 1,829 <LOANS-PAST> 6 <LOANS-TROUBLED> 1,300 <LOANS-PROBLEM> 13,233 <ALLOWANCE-OPEN> 5,318 <CHARGE-OFFS> 2,441 <RECOVERIES> 637 <ALLOWANCE-CLOSE> 5,354 <ALLOWANCE-DOMESTIC> 5,354 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0