<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from
the Form 10-K filed as of December 31, 1997.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          21,473
<INT-BEARING-DEPOSITS>                           7,008
<FED-FUNDS-SOLD>                                10,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    174,291
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        521,570
<ALLOWANCE>                                      8,356
<TOTAL-ASSETS>                                 758,158
<DEPOSITS>                                     611,107
<SHORT-TERM>                                    32,561
<LIABILITIES-OTHER>                              7,095
<LONG-TERM>                                     28,577
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        50,001
<OTHER-SE>                                      28,817
<TOTAL-LIABILITIES-AND-EQUITY>                 758,158
<INTEREST-LOAN>                                 43,451
<INTEREST-INVEST>                                8,579
<INTEREST-OTHER>                                 1,806
<INTEREST-TOTAL>                                53,836
<INTEREST-DEPOSIT>                              22,282
<INTEREST-EXPENSE>                              25,216
<INTEREST-INCOME-NET>                           28,620
<LOAN-LOSSES>                                    2,589
<SECURITIES-GAINS>                                (28)
<EXPENSE-OTHER>                                 19,265
<INCOME-PRETAX>                                 12,704
<INCOME-PRE-EXTRAORDINARY>                       8,605
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,605
<EPS-PRIMARY>                                     2.48
<EPS-DILUTED>                                     2.40
<YIELD-ACTUAL>                                    4.74
<LOANS-NON>                                      1,220
<LOANS-PAST>                                       462
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,873
<CHARGE-OFFS>                                    1,917
<RECOVERIES>                                       521
<ALLOWANCE-CLOSE>                                8,356
<ALLOWANCE-DOMESTIC>                             8,356
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,081