<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AT SEPTEMBER 30, 1996 AND DECEMBER 31, 1995 AND
CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS ENDED AND NINE MONTHS
ENDED SEPTEMBER 30, 1996 AND 1995 AND IS QUALIFIED IN ITS ENTIRETY BE REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                            1150
<INT-BEARING-DEPOSITS>                           16246
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     187707
<INVESTMENTS-CARRYING>                            3337
<INVESTMENTS-MARKET>                              3461
<LOANS>                                         346001
<ALLOWANCE>                                       2265
<TOTAL-ASSETS>                                  565385
<DEPOSITS>                                      363963
<SHORT-TERM>                                     51029
<LIABILITIES-OTHER>                              15921
<LONG-TERM>                                      50804
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            61
<OTHER-SE>                                       83608
<TOTAL-LIABILITIES-AND-EQUITY>                  565385
<INTEREST-LOAN>                                  19009
<INTEREST-INVEST>                                10513
<INTEREST-OTHER>                                   232
<INTEREST-TOTAL>                                 29754
<INTEREST-DEPOSIT>                               14281
<INTEREST-EXPENSE>                               18020
<INTEREST-INCOME-NET>                            11734
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                 962
<EXPENSE-OTHER>                                   8362
<INCOME-PRETAX>                                   4745
<INCOME-PRE-EXTRAORDINARY>                        4745
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      2975
<EPS-PRIMARY>                                     0.66
<EPS-DILUTED>                                     0.66
<YIELD-ACTUAL>                                    7.37
<LOANS-NON>                                        426
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     52
<ALLOWANCE-OPEN>                                  2190
<CHARGE-OFFS>                                    (150)
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                 2265
<ALLOWANCE-DOMESTIC>                              1244
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           1021