<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 18,368 <INT-BEARING-DEPOSITS> 200 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 42,197 <INVESTMENTS-CARRYING> 80,537 <INVESTMENTS-MARKET> 82,923 <LOANS> 412,277 <ALLOWANCE> 5,249 <TOTAL-ASSETS> 574,988 <DEPOSITS> 408,526 <SHORT-TERM> 114,304 <LIABILITIES-OTHER> 7,252 <LONG-TERM> 0 <COMMON> 2,706 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 42,200 <TOTAL-LIABILITIES-AND-EQUITY> 574,988 <INTEREST-LOAN> 27,370 <INTEREST-INVEST> 6,136 <INTEREST-OTHER> 28 <INTEREST-TOTAL> 33,534 <INTEREST-DEPOSIT> 9,193 <INTEREST-EXPENSE> 12,881 <INTEREST-INCOME-NET> 20,653 <LOAN-LOSSES> 477 <SECURITIES-GAINS> (110) <EXPENSE-OTHER> 15,897 <INCOME-PRETAX> 6,935 <INCOME-PRE-EXTRAORDINARY> 4,987 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,987 <EPS-PRIMARY> 1.83 <EPS-DILUTED> 1.83 <YIELD-ACTUAL> 5.69 <LOANS-NON> 2,180 <LOANS-PAST> 759 <LOANS-TROUBLED> 260 <LOANS-PROBLEM> 2,240 <ALLOWANCE-OPEN> 5,054 <CHARGE-OFFS> 527 <RECOVERIES> 245 <ALLOWANCE-CLOSE> 5,249 <ALLOWANCE-DOMESTIC> 2,295 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,954