<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1996 <CASH> 116,311 <INT-BEARING-DEPOSITS> 4,218 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 41,420 <INVESTMENTS-CARRYING> 179,284 <INVESTMENTS-MARKET> 176,684 <LOANS> 295,213 <ALLOWANCE> 1,626 <TOTAL-ASSETS> 663,092 <DEPOSITS> 476,419 <SHORT-TERM> 5,000 <LIABILITIES-OTHER> 11,617 <LONG-TERM> 98,359 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 529 <OTHER-SE> 71,168 <TOTAL-LIABILITIES-AND-EQUITY> 663,092 <INTEREST-LOAN> 17,019 <INTEREST-INVEST> 9,835 <INTEREST-OTHER> 930 <INTEREST-TOTAL> 27,784 <INTEREST-DEPOSIT> 9,892 <INTEREST-EXPENSE> 14,429 <INTEREST-INCOME-NET> 13,355 <LOAN-LOSSES> 210 <SECURITIES-GAINS> 223 <EXPENSE-OTHER> 10,492 <INCOME-PRETAX> 3,943 <INCOME-PRE-EXTRAORDINARY> 3,943 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,287 <EPS-PRIMARY> .54 <EPS-DILUTED> .54 <YIELD-ACTUAL> 3.37 <LOANS-NON> 0 <LOANS-PAST> 1,760 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,484 <CHARGE-OFFS> 8 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,686 <ALLOWANCE-DOMESTIC> 1,686 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,686