<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE THIRD QUARTER
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</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>                                          35,266
<INT-BEARING-DEPOSITS>                             260
<FED-FUNDS-SOLD>                                 4,698
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     78,650
<INVESTMENTS-CARRYING>                         144,742
<INVESTMENTS-MARKET>                           146,890
<LOANS>                                        426,065
<ALLOWANCE>                                      5,317
<TOTAL-ASSETS>                                 714,212
<DEPOSITS>                                     533,135
<SHORT-TERM>                                    83,008
<LIABILITIES-OTHER>                              6,429
<LONG-TERM>                                     44,579
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,453
<OTHER-SE>                                      45,608
<TOTAL-LIABILITIES-AND-EQUITY>                 714,212
<INTEREST-LOAN>                                 28,469
<INTEREST-INVEST>                               10,231
<INTEREST-OTHER>                                   244
<INTEREST-TOTAL>                                38,924
<INTEREST-DEPOSIT>                              15,568
<INTEREST-EXPENSE>                              20,486
<INTEREST-INCOME-NET>                           18,438
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                (18)
<EXPENSE-OTHER>                                 14,637
<INCOME-PRETAX>                                  9,122
<INCOME-PRE-EXTRAORDINARY>                       5,897
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,897
<EPS-PRIMARY>                                     2.03
<EPS-DILUTED>                                     2.03
<YIELD-ACTUAL>                                    3.92
<LOANS-NON>                                        715
<LOANS-PAST>                                       298
<LOANS-TROUBLED>                                 1,402
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,306
<CHARGE-OFFS>                                      243
<RECOVERIES>                                       169
<ALLOWANCE-CLOSE>                                5,317
<ALLOWANCE-DOMESTIC>                             2,199
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,118