<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CITY HOLDING
COMPANY'S UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS  AS OF SEPTEMBER 30, 1995,
AND  THE NINE MONTHS THEN ENDED 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-END>                                             SEP-30-1995
<CASH>                                                        27,263
<INT-BEARING-DEPOSITS>                                             0
<FED-FUNDS-SOLD>                                                 600
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   77,577
<INVESTMENTS-CARRYING>                                       133,219
<INVESTMENTS-MARKET>                                         134,187
<LOANS>                                                      748,345
<ALLOWANCE>                                                    6,494
<TOTAL-ASSETS>                                             1,025,817
<DEPOSITS>                                                   794,347
<SHORT-TERM>                                                 137,184
<LIABILITIES-OTHER>                                            8,550
<LONG-TERM>                                                   15,000
<COMMON>                                                      12,738
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<OTHER-SE>                                                    57,998
<TOTAL-LIABILITIES-AND-EQUITY>                             1,025,817
<INTEREST-LOAN>                                               43,447
<INTEREST-INVEST>                                             10,753
<INTEREST-OTHER>                                                  70
<INTEREST-TOTAL>                                              54,270
<INTEREST-DEPOSIT>                                            19,818
<INTEREST-EXPENSE>                                            24,088
<INTEREST-INCOME-NET>                                         30,182
<LOAN-LOSSES>                                                    711
<SECURITIES-GAINS>                                                 9
<EXPENSE-OTHER>                                               24,887
<INCOME-PRETAX>                                                9,219
<INCOME-PRE-EXTRAORDINARY>                                     6,308
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   6,308
<EPS-PRIMARY>                                                   1.22
<EPS-DILUTED>                                                   1.22
<YIELD-ACTUAL>                                                  4.76
<LOANS-NON>                                                    2,203
<LOANS-PAST>                                                   1,173
<LOANS-TROUBLED>                                                 109
<LOANS-PROBLEM>                                                  509
<ALLOWANCE-OPEN>                                               6,477
<CHARGE-OFFS>                                                    961
<RECOVERIES>                                                     267
<ALLOWANCE-CLOSE>                                              6,494
<ALLOWANCE-DOMESTIC>                                               0
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0