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-31-1995
     <PERIOD-END>                                SEP-30-1995
     <CASH>                                           27,285
     <INT-BEARING-DEPOSITS>                                0
     <FED-FUNDS-SOLD>                                 45,600
     <TRADING-ASSETS>                                      0
     <INVESTMENTS-HELD-FOR-SALE>                     162,254
     <INVESTMENTS-CARRYING>                           34,870
     <INVESTMENTS-MARKET>                             36,034
     <LOANS>                                         567,317
     <ALLOWANCE>                                      11,997
     <TOTAL-ASSETS>                                  860,265
     <DEPOSITS>                                      747,861
     <SHORT-TERM>                                      3,605
     <LIABILITIES-OTHER>                               9,894
     <LONG-TERM>                                      17,755
     <COMMON>                                         15,926
     <PREFERRED-MANDATORY>                                 0
     <PREFERRED>                                           0
     <OTHER-SE>                                       65,224
     <TOTAL-LIABILITIES-AND-EQUITY>                  860,265
     <INTEREST-LOAN>                                  39,577
     <INTEREST-INVEST>                                 9,414
     <INTEREST-OTHER>                                  1,011
     <INTEREST-TOTAL>                                 50,002
     <INTEREST-DEPOSIT>                               19,190
     <INTEREST-EXPENSE>                               20,240
     <INTEREST-INCOME-NET>                            29,762 
     <LOAN-LOSSES>                                     1,440
     <SECURITIES-GAINS>                                 (162)
     <EXPENSE-OTHER>                                  24,966
     <INCOME-PRETAX>                                   8,043
     <INCOME-PRE-EXTRAORDINARY>                        8,043
     <EXTRAORDINARY>                                       0
     <CHANGES>                                             0
     <NET-INCOME>                                      5,913
     <EPS-PRIMARY>                                      1.25
     <EPS-DILUTED>                                      1.25
     <YIELD-ACTUAL>                                      514
     <LOANS-NON>                                       3,991
     <LOANS-PAST>                                      2,583
     <LOANS-TROUBLED>                                    796
     <LOANS-PROBLEM>                                       0
     <ALLOWANCE-OPEN>                                 18,752
     <CHARGE-OFFS>                                     9,200
     <RECOVERIES>                                      1,005
     <ALLOWANCE-CLOSE>                                11,997
     <ALLOWANCE-DOMESTIC>                                  0
     <ALLOWANCE-FOREIGN>                                   0
     <ALLOWANCE-UNALLOCATED>                          11,997
     
</TABLE>