<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 19700 <INT-BEARING-DEPOSITS> 474 <FED-FUNDS-SOLD> 4050 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 111708 <INVESTMENTS-CARRYING> 3490 <INVESTMENTS-MARKET> 3501 <LOANS> 362943 <ALLOWANCE> 2633 <TOTAL-ASSETS> 530825 <DEPOSITS> 456089 <SHORT-TERM> 12190 <LIABILITIES-OTHER> 4527 <LONG-TERM> 13450 <PREFERRED-MANDATORY> 0 <PREFERRED> 3100 <COMMON> 7810 <OTHER-SE> 33659 <TOTAL-LIABILITIES-AND-EQUITY> 530825 <INTEREST-LOAN> 22363 <INTEREST-INVEST> 5631 <INTEREST-OTHER> 195 <INTEREST-TOTAL> 28189 <INTEREST-DEPOSIT> 12629 <INTEREST-EXPENSE> 14270 <INTEREST-INCOME-NET> 13919 <LOAN-LOSSES> 460 <SECURITIES-GAINS> (6) <EXPENSE-OTHER> 11635 <INCOME-PRETAX> 5729 <INCOME-PRE-EXTRAORDINARY> 5729 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3689 <EPS-PRIMARY> 1.81 <EPS-DILUTED> 1.70 <YIELD-ACTUAL> 3.94 <LOANS-NON> 990 <LOANS-PAST> 287 <LOANS-TROUBLED> 360 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2684 <CHARGE-OFFS> 536 <RECOVERIES> 25 <ALLOWANCE-CLOSE> 2633 <ALLOWANCE-DOMESTIC> 2633 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 463