<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-START> JUL-01-1994 <PERIOD-END> SEP-30-1994 <CASH> 42,944 <INT-BEARING-DEPOSITS> 500 <FED-FUNDS-SOLD> 8,904 <TRADING-ASSETS> 722 <INVESTMENTS-HELD-FOR-SALE> 54,904 <INVESTMENTS-CARRYING> 60,912 <INVESTMENTS-MARKET> 58,668 <LOANS> 816,341 <ALLOWANCE> 5,029 <TOTAL-ASSETS> 1,067,664 <DEPOSITS> 940,275 <SHORT-TERM> 30,713 <LIABILITIES-OTHER> 8,439 <LONG-TERM> 1,213 <COMMON> 4,524 <PREFERRED-MANDATORY> 0 <PREFERRED> 37,063 <OTHER-SE> 45,437 <TOTAL-LIABILITIES-AND-EQUITY> 1,067,664 <INTEREST-LOAN> 17,618 <INTEREST-INVEST> 1,485 <INTEREST-OTHER> 40 <INTEREST-TOTAL> 19,143 <INTEREST-DEPOSIT> 7,467 <INTEREST-EXPENSE> 8,152 <INTEREST-INCOME-NET> 10,991 <LOAN-LOSSES> 250 <SECURITIES-GAINS> 54 <EXPENSE-OTHER> 10,072 <INCOME-PRETAX> 2,929 <INCOME-PRE-EXTRAORDINARY> 2,929 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,001 <EPS-PRIMARY> 0.28 <EPS-DILUTED> 0.27 <YIELD-ACTUAL> 8.43 <LOANS-NON> 397 <LOANS-PAST> 1,372 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,971 <CHARGE-OFFS> 236 <RECOVERIES> 44 <ALLOWANCE-CLOSE> 5,029 <ALLOWANCE-DOMESTIC> 5,029 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0