<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                             <C>
<PERIOD-TYPE>                                   9-MOS
<FISCAL-YEAR-END>                               DEC-31-1995
<PERIOD-END>                                    SEP-30-1996
<CASH>                                             116,311
<INT-BEARING-DEPOSITS>                               4,218
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         41,420
<INVESTMENTS-CARRYING>                             179,284
<INVESTMENTS-MARKET>                               176,684
<LOANS>                                            295,213
<ALLOWANCE>                                          1,626
<TOTAL-ASSETS>                                     663,092
<DEPOSITS>                                         476,419
<SHORT-TERM>                                         5,000
<LIABILITIES-OTHER>                                 11,617
<LONG-TERM>                                         98,359
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               529
<OTHER-SE>                                          71,168
<TOTAL-LIABILITIES-AND-EQUITY>                     663,092
<INTEREST-LOAN>                                     17,019
<INTEREST-INVEST>                                    9,835
<INTEREST-OTHER>                                       930
<INTEREST-TOTAL>                                    27,784
<INTEREST-DEPOSIT>                                   9,892
<INTEREST-EXPENSE>                                  14,429
<INTEREST-INCOME-NET>                               13,355
<LOAN-LOSSES>                                          210
<SECURITIES-GAINS>                                     223
<EXPENSE-OTHER>                                     10,492
<INCOME-PRETAX>                                      3,943
<INCOME-PRE-EXTRAORDINARY>                           3,943
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,287
<EPS-PRIMARY>                                          .54
<EPS-DILUTED>                                          .54
<YIELD-ACTUAL>                                        3.37
<LOANS-NON>                                              0
<LOANS-PAST>                                         1,760
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,484
<CHARGE-OFFS>                                            8
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,686
<ALLOWANCE-DOMESTIC>                                 1,686
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,686
        


</TABLE>