<ARTICLE>                                           9
                     
<MULTIPLIER>                                    1,000
       
                             
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                         DEC-31-1997
<PERIOD-END>                              DEC-31-1997    
<CASH>                                         63,476
<INT-BEARING-DEPOSITS>                              0 
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   175,753 
<INVESTMENTS-CARRYING>                         90,764
<INVESTMENTS-MARKET>                           88,950
<LOANS>                                       448,967
<ALLOWANCE>                                     6,459
<TOTAL-ASSETS>                                826,165
<DEPOSITS>                                    724,094
<SHORT-TERM>                                   15,300
<LIABILITIES-OTHER>                            10,207
<LONG-TERM>                                    11,440
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                       48,161
<OTHER-SE>                                     16,963
<TOTAL-LIABILITIES-AND-EQUITY>                826,165
<INTEREST-LOAN>                                44,903
<INTEREST-INVEST>                              14,421
<INTEREST-OTHER>                                  553
<INTEREST-TOTAL>                               59,877
<INTEREST-DEPOSIT>                             22,682
<INTEREST-EXPENSE>                             23,935
<INTEREST-INCOME-NET>                          35,942
<LOAN-LOSSES>                                   3,000
<SECURITIES-GAINS>                                 18
<EXPENSE-OTHER>                                32,932
<INCOME-PRETAX>                                 9,576
<INCOME-PRE-EXTRAORDINARY>                      9,576
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    5,869
<EPS-PRIMARY>                                    1.26
<EPS-DILUTED>                                    1.21
<YIELD-ACTUAL>                                   8.57
<LOANS-NON>                                     4,721
<LOANS-PAST>                                      528
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                6,097
<CHARGE-OFFS>                                   2,840
<RECOVERIES>                                      202
<ALLOWANCE-CLOSE>                               6,459
<ALLOWANCE-DOMESTIC>                            6,459
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0