<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S CONSOLIDATED STATEMENTS OF INCOME AND CONSOLIDATED BALANCE SHEETS AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               SEP-30-1995
<EXCHANGE-RATE>                                      1
<CASH>                                          25,422
<INT-BEARING-DEPOSITS>                         203,158
<FED-FUNDS-SOLD>                                55,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,406
<INVESTMENTS-CARRYING>                         152,062
<INVESTMENTS-MARKET>                           151,931
<LOANS>                                        126,777
<ALLOWANCE>                                      2,224
<TOTAL-ASSETS>                                 382,041
<DEPOSITS>                                     313,584
<SHORT-TERM>                                     3,916
<LIABILITIES-OTHER>                             35,826
<LONG-TERM>                                          0
<COMMON>                                         8,030
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      20,650
<TOTAL-LIABILITIES-AND-EQUITY>                 382,041
<INTEREST-LOAN>                                  9,949
<INTEREST-INVEST>                                7,040
<INTEREST-OTHER>                                 2,972
<INTEREST-TOTAL>                                19,961
<INTEREST-DEPOSIT>                               4,935
<INTEREST-EXPENSE>                               5,929
<INTEREST-INCOME-NET>                           14,032
<LOAN-LOSSES>                                      665
<SECURITIES-GAINS>                                  51
<EXPENSE-OTHER>                                 11,444
<INCOME-PRETAX>                                  4,918
<INCOME-PRE-EXTRAORDINARY>                       4,918
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,057
<EPS-PRIMARY>                                     1.11
<EPS-DILUTED>                                     1.11
<YIELD-ACTUAL>                                    7.17
<LOANS-NON>                                      1,056
<LOANS-PAST>                                       244
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,033
<CHARGE-OFFS>                                      581
<RECOVERIES>                                       107
<ALLOWANCE-CLOSE>                                2,224
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,224
        

</TABLE>