<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Form 10-Q filed as of September 30, 1997.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          27,072
<INT-BEARING-DEPOSITS>                             583
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    149,209
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        484,183
<ALLOWANCE>                                      7,763
<TOTAL-ASSETS>                                 679,947
<DEPOSITS>                                     555,779
<SHORT-TERM>                                    24,579
<LIABILITIES-OTHER>                              6,605
<LONG-TERM>                                     31,593
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,399
<OTHER-SE>                                      26,992
<TOTAL-LIABILITIES-AND-EQUITY>                 679,947
<INTEREST-LOAN>                                 31,848
<INTEREST-INVEST>                                6,391
<INTEREST-OTHER>                                 1,284
<INTEREST-TOTAL>                                39,523
<INTEREST-DEPOSIT>                              16,321
<INTEREST-EXPENSE>                              18,467
<INTEREST-INCOME-NET>                           21,056
<LOAN-LOSSES>                                    1,905
<SECURITIES-GAINS>                                (31)
<EXPENSE-OTHER>                                 14,277
<INCOME-PRETAX>                                  9,251
<INCOME-PRE-EXTRAORDINARY>                       6,285
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,285
<EPS-PRIMARY>                                     1.77
<EPS-DILUTED>                                     1.76
<YIELD-ACTUAL>                                    4.73
<LOANS-NON>                                        746
<LOANS-PAST>                                       428
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,873
<CHARGE-OFFS>                                    1,529
<RECOVERIES>                                       394
<ALLOWANCE-CLOSE>                                7,763
<ALLOWANCE-DOMESTIC>                             7,763
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            856