<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's September 30, 1995 unaudited balance sheet, income statement and
cash flow statement, and notes thereto, and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                       6,405,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,249,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 73,005,000
<INVESTMENTS-CARRYING>                      66,446,000
<INVESTMENTS-MARKET>                        65,538,000
<LOANS>                                    235,729,000
<ALLOWANCE>                                  1,711,000
<TOTAL-ASSETS>                             403,086,000
<DEPOSITS>                                 335,293,000
<SHORT-TERM>                                19,102,000
<LIABILITIES-OTHER>                          4,525,000
<LONG-TERM>                                          0
<COMMON>                                     2,512,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  41,654,000
<TOTAL-LIABILITIES-AND-EQUITY>             403,086,000
<INTEREST-LOAN>                             13,601,000
<INTEREST-INVEST>                            6,288,000
<INTEREST-OTHER>                               447,000
<INTEREST-TOTAL>                            20,336,000
<INTEREST-DEPOSIT>                           9,654,000
<INTEREST-EXPENSE>                          10,640,000
<INTEREST-INCOME-NET>                        9,696,000
<LOAN-LOSSES>                                  101,000
<SECURITIES-GAINS>                            (70,000)
<EXPENSE-OTHER>                              7,164,000
<INCOME-PRETAX>                              4,146,000
<INCOME-PRE-EXTRAORDINARY>                   4,146,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,504,000
<EPS-PRIMARY>                                     1.26
<EPS-DILUTED>                                     1.26
<YIELD-ACTUAL>                                    3.35
<LOANS-NON>                                    669,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,791,000
<CHARGE-OFFS>                                  223,000
<RECOVERIES>                                    42,000
<ALLOWANCE-CLOSE>                            1,711,000
<ALLOWANCE-DOMESTIC>                         1,361,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        350,000