<ARTICLE> 9
<LEGEND>          THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
                  FROM CITY HOLDING COMPANY'S UNAUDITED  CONSOLIDATED  FINANCIAL
                  STATEMENTS AS OF SEPTEMBER 30, 1996,  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-31-1996
<PERIOD-END>                                                 SEP-30-1996
<CASH>                                                            34,118
<INT-BEARING-DEPOSITS>                                                 0
<FED-FUNDS-SOLD>                                                      61
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                      115,101
<INVESTMENTS-CARRYING>                                            44,506
<INVESTMENTS-MARKET>                                              45,010
<LOANS>                                                          681,888
<ALLOWANCE>                                                        6,836
<TOTAL-ASSETS>                                                 1,085,215
<DEPOSITS>                                                       825,574
<SHORT-TERM>                                                     145,817
<LIABILITIES-OTHER>                                               10,774
<LONG-TERM>                                                       25,750
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                          14,000
<OTHER-SE>                                                        77,300
<TOTAL-LIABILITIES-AND-EQUITY>                                 1,085,215
<INTEREST-LOAN>                                                   56,347
<INTEREST-INVEST>                                                  7,708
<INTEREST-OTHER>                                                      26
<INTEREST-TOTAL>                                                  64,081
<INTEREST-DEPOSIT>                                                21,880
<INTEREST-EXPENSE>                                                29,041
<INTEREST-INCOME-NET>                                             35,040
<LOAN-LOSSES>                                                        943
<SECURITIES-GAINS>                                                    68
<EXPENSE-OTHER>                                                   29,303
<INCOME-PRETAX>                                                   11,380
<INCOME-PRE-EXTRAORDINARY>                                             0
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                       7,570
<EPS-PRIMARY>                                                       1.36
<EPS-DILUTED>                                                       1.36
<YIELD-ACTUAL>                                                      4.79
<LOANS-NON>                                                        1,811
<LOANS-PAST>                                                       2,191
<LOANS-TROUBLED>                                                     249
<LOANS-PROBLEM>                                                      243
<ALLOWANCE-OPEN>                                                   6,566
<CHARGE-OFFS>                                                       (920)
<RECOVERIES>                                                         247
<ALLOWANCE-CLOSE>                                                  6,836
<ALLOWANCE-DOMESTIC>                                                   0
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                                0