WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

      EXHIBIT 27 - FINANCIAL DATA SCHEDULE

     <ARTICLE>                                             9

     <PERIOD-TYPE>                                     9-MOS
     <FISCAL-YEAR-END>                           DEC-31-1996
     <PERIOD-END>                                SEP-30-1996
     <CASH>                                           36,704
     <INT-BEARING-DEPOSITS>                              234
     <FED-FUNDS-SOLD>                                 24,000
     <TRADING-ASSETS>                                      0
     <INVESTMENTS-HELD-FOR-SALE>                     163,321
     <INVESTMENTS-CARRYING>                           21,411
     <INVESTMENTS-MARKET>                             22,199
     <LOANS>                                         645,365
     <ALLOWANCE>                                      12,682
     <TOTAL-ASSETS>                                  909,104
     <DEPOSITS>                                      787,216
     <SHORT-TERM>                                      3,181
     <LIABILITIES-OTHER>                              11,866
     <LONG-TERM>                                      22,486
     <COMMON>                                         32,113
     <PREFERRED-MANDATORY>                                 0
     <PREFERRED>                                           0
     <OTHER-SE>                                       52,242
     <TOTAL-LIABILITIES-AND-EQUITY>                  909,104
     <INTEREST-LOAN>                                  42,211
     <INTEREST-INVEST>                                 9,610
     <INTEREST-OTHER>                                    561
     <INTEREST-TOTAL>                                 52,382
     <INTEREST-DEPOSIT>                               20,272
     <INTEREST-EXPENSE>                               21,604
     <INTEREST-INCOME-NET>                            30,778 
     <LOAN-LOSSES>                                     1,080
     <SECURITIES-GAINS>                                   (7)
     <EXPENSE-OTHER>                                  22,665
     <INCOME-PRETAX>                                  11,827
     <INCOME-PRE-EXTRAORDINARY>                       11,827
     <EXTRAORDINARY>                                       0
     <CHANGES>                                             0
     <NET-INCOME>                                      7,592
     <EPS-PRIMARY>                                       .81
     <EPS-DILUTED>                                       .80
     <YIELD-ACTUAL>                                     5.03
     <LOANS-NON>                                       3,712
     <LOANS-PAST>                                      2,181
     <LOANS-TROUBLED>                                    135
     <LOANS-PROBLEM>                                       0
     <ALLOWANCE-OPEN>                                 12,115
     <CHARGE-OFFS>                                     1,004
     <RECOVERIES>                                        491
     <ALLOWANCE-CLOSE>                                12,682
     <ALLOWANCE-DOMESTIC>                                  0
     <ALLOWANCE-FOREIGN>                                   0
     <ALLOWANCE-UNALLOCATED>                          12,682
     
</TABLE>