<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          34,657
<INT-BEARING-DEPOSITS>                             644
<FED-FUNDS-SOLD>                                16,655
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    206,811
<INVESTMENTS-CARRYING>                         119,048
<INVESTMENTS-MARKET>                           120,779
<LOANS>                                        513,543
<ALLOWANCE>                                    (6,544)
<TOTAL-ASSETS>                                 928,299
<DEPOSITS>                                     780,885
<SHORT-TERM>                                    46,367
<LIABILITIES-OTHER>                              3,166
<LONG-TERM>                                      4,828
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,887
<OTHER-SE>                                      88,166
<TOTAL-LIABILITIES-AND-EQUITY>                 928,299
<INTEREST-LOAN>                                 34,508
<INTEREST-INVEST>                               13,423
<INTEREST-OTHER>                                 1,384
<INTEREST-TOTAL>                                49,315
<INTEREST-DEPOSIT>                              20,878
<INTEREST-EXPENSE>                              22,489
<INTEREST-INCOME-NET>                           26,826
<LOAN-LOSSES>                                      208
<SECURITIES-GAINS>                                (66)
<EXPENSE-OTHER>                                 18,897
<INCOME-PRETAX>                                 12,451
<INCOME-PRE-EXTRAORDINARY>                      12,451
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,252
<EPS-PRIMARY>                                     1.70
<EPS-DILUTED>                                     1.70
<YIELD-ACTUAL>                                    3.73
<LOANS-NON>                                      1,609
<LOANS-PAST>                                     3,030
<LOANS-TROUBLED>                                    29
<LOANS-PROBLEM>                                  4,111
<ALLOWANCE-OPEN>                                 6,597
<CHARGE-OFFS>                                    (351)
<RECOVERIES>                                        90
<ALLOWANCE-CLOSE>                                6,544
<ALLOWANCE-DOMESTIC>                             2,307
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,237