[ARTICLE] 9
[LEGEND]
The schedule contains summary financial information extracted from the
consolidated statements of condition and income and is qualified in its
entirety by reference to such financial statements.
[/LEGEND]
[MULTIPLIER] 1,000
<TABLE>
<S> <C>
[PERIOD-TYPE] 3-MOS
[FISCAL-YEAR-END] MAR-31-1995
[PERIOD-END] MAR-31-1995
[CASH] 38,545
[INT-BEARING-DEPOSITS] 0
[FED-FUNDS-SOLD] 56,035
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 35,742
[INVESTMENTS-CARRYING] 84,751
[INVESTMENTS-MARKET] 83,135
[LOANS] 594,709
[ALLOWANCE] 9,929
[TOTAL-ASSETS] 834,052
[DEPOSITS] 743,994
[SHORT-TERM] 8,179
[LIABILITIES-OTHER] 8,322
[LONG-TERM] 774
[COMMON] 4,067
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[OTHER-SE] 68,716
[TOTAL-LIABILITIES-AND-EQUITY] 834,052
[INTEREST-LOAN] 14,041
[INTEREST-INVEST] 1,134
[INTEREST-OTHER] 1,120
[INTEREST-TOTAL] 16,295
[INTEREST-DEPOSIT] 6,416
[INTEREST-EXPENSE] 6,551
[INTEREST-INCOME-NET] 9,744
[LOAN-LOSSES] 230
[SECURITIES-GAINS] 0
[EXPENSE-OTHER] 9,000
[INCOME-PRETAX] 4,715
[INCOME-PRE-EXTRAORDINARY] 4,715
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 2,963
[EPS-PRIMARY] .73
[EPS-DILUTED] .73
[YIELD-ACTUAL] 5.16
[LOANS-NON] 0<F1>
[LOANS-PAST] 0<F1>
[LOANS-TROUBLED] 0<F1>
[LOANS-PROBLEM] 0<F1>
[ALLOWANCE-OPEN] 9,836
[CHARGE-OFFS] 0<F1>
[RECOVERIES] 0<F1>
[ALLOWANCE-CLOSE] 9,929
[ALLOWANCE-DOMESTIC] 9,929
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 0
<FN>
<F1>Not reported in an interim financial statement.
</FN>
</TABLE>
