<TABLE> <S> <C>


<ARTICLE>               9
<MULTIPLIER>            1,000
       
<S>                               <C>
<PERIOD-TYPE>                     3-MOS
<FISCAL-YEAR-END>                                DEC-31-1996
<PERIOD-END>                                     SEP-30-1996
<CASH>                                                21,656
<INT-BEARING-DEPOSITS>                                     0
<FED-FUNDS-SOLD>                                       6,125
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                          129,130
<INVESTMENTS-CARRYING>                               101,898
<INVESTMENTS-MARKET>                                 105,081
<LOANS>                                              312,369
<ALLOWANCE>                                                0
<TOTAL-ASSETS>                                       593,392
<DEPOSITS>                                           521,754
<SHORT-TERM>                                           9,911
<LIABILITIES-OTHER>                                    7,109
<LONG-TERM>                                            7,392
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                               6,449
<OTHER-SE>                                            40,777
<TOTAL-LIABILITIES-AND-EQUITY>                       593,392
<INTEREST-LOAN>                                       22,759
<INTEREST-INVEST>                                     11,805
<INTEREST-OTHER>                                         466
<INTEREST-TOTAL>                                      35,030
<INTEREST-DEPOSIT>                                    15,459
<INTEREST-EXPENSE>                                       792
<INTEREST-INCOME-NET>                                 18,779
<LOAN-LOSSES>                                            510
<SECURITIES-GAINS>                                       555
<EXPENSE-OTHER>                                       13,127
<INCOME-PRETAX>                                        7,523
<INCOME-PRE-EXTRAORDINARY>                             5,460
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                           5,460
<EPS-PRIMARY>                                           2.05
<EPS-DILUTED>                                              0
<YIELD-ACTUAL>                                             0
<LOANS-NON>                                                0
<LOANS-PAST>                                               0
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                           0
<CHARGE-OFFS>                                              0
<RECOVERIES>                                               0
<ALLOWANCE-CLOSE>                                          0
<ALLOWANCE-DOMESTIC>                                       0
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0
                                                    


</TABLE>