<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE 12/31/97 FORM
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          45,317
<INT-BEARING-DEPOSITS>                             261
<FED-FUNDS-SOLD>                                 4,184
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     84,599
<INVESTMENTS-CARRYING>                         163,559
<INVESTMENTS-MARKET>                           166,079
<LOANS>                                        460,150
<ALLOWANCE>                                      5,308
<TOTAL-ASSETS>                                 796,478
<DEPOSITS>                                     612,992
<SHORT-TERM>                                    84,117
<LIABILITIES-OTHER>                              6,535
<LONG-TERM>                                     44,578
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,453
<OTHER-SE>                                      46,803
<TOTAL-LIABILITIES-AND-EQUITY>                 796,478
<INTEREST-LOAN>                                 38,493
<INTEREST-INVEST>                               13,903
<INTEREST-OTHER>                                   303
<INTEREST-TOTAL>                                52,699
<INTEREST-DEPOSIT>                              21,183
<INTEREST-EXPENSE>                              28,060
<INTEREST-INCOME-NET>                           24,639
<LOAN-LOSSES>                                      269
<SECURITIES-GAINS>                                (19)
<EXPENSE-OTHER>                                 20,414
<INCOME-PRETAX>                                 11,460
<INCOME-PRE-EXTRAORDINARY>                       7,540
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,540
<EPS-PRIMARY>                                     2.60
<EPS-DILUTED>                                     2.60
<YIELD-ACTUAL>                                    3.87
<LOANS-NON>                                      1,058
<LOANS-PAST>                                       305
<LOANS-TROUBLED>                                 1,377
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,306
<CHARGE-OFFS>                                      359
<RECOVERIES>                                        92
<ALLOWANCE-CLOSE>                                5,308
<ALLOWANCE-DOMESTIC>                             2,248
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,060