<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
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<PERIOD-END>                               SEP-30-1994
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<DEPOSITS>                                   1,015,029
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<LIABILITIES-OTHER>                             14,468
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<INTEREST-INVEST>                               15,788
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<INTEREST-EXPENSE>                              19,525
<INTEREST-INCOME-NET>                           26,964
<LOAN-LOSSES>                                      269
<SECURITIES-GAINS>                                (70)
<EXPENSE-OTHER>                                  6,155
<INCOME-PRETAX>                                 12,727
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<ALLOWANCE-FOREIGN>                                  0
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