<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET (PAGE 3), THE CONSOLIDATED CONDENSED STATEMENT OF
INCOME (PAGE 4) AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S DOLLARS
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<EXCHANGE-RATE>                                      1
<CASH>                                          41,451
<INT-BEARING-DEPOSITS>                             444
<FED-FUNDS-SOLD>                                 2,250
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    207,012
<INVESTMENTS-CARRYING>                          51,809
<INVESTMENTS-MARKET>                            52,285
<LOANS>                                        559,506
<ALLOWANCE>                                      6,038
<TOTAL-ASSETS>                                 886,720
<DEPOSITS>                                     688,514
<SHORT-TERM>                                    81,802
<LIABILITIES-OTHER>                              6,628
<LONG-TERM>                                      9,150
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           754
<OTHER-SE>                                      99,872
<TOTAL-LIABILITIES-AND-EQUITY>                 886,720
<INTEREST-LOAN>                                 35,376
<INTEREST-INVEST>                               11,575
<INTEREST-OTHER>                                   614
<INTEREST-TOTAL>                                47,565
<INTEREST-DEPOSIT>                              19,841
<INTEREST-EXPENSE>                              22,205
<INTEREST-INCOME-NET>                           25,360
<LOAN-LOSSES>                                      740
<SECURITIES-GAINS>                                  50
<EXPENSE-OTHER>                                 16,817
<INCOME-PRETAX>                                 13,638
<INCOME-PRE-EXTRAORDINARY>                       8,962
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,962
<EPS-PRIMARY>                                     1.49
<EPS-DILUTED>                                     1.49
<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