<ARTICLE> 9 <MULTIPLIER> 1 <CURRENCY> U. S. Dollars <PERIOD-TYPE> Year <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <EXCHANGE-RATE> 1 <CASH> 27354 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 150360 <INVESTMENTS-CARRYING> 45744 <INVESTMENTS-MARKET> 46608 <LOANS> 608539 <ALLOWANCE> 5306 <TOTAL-ASSETS> 862742 <DEPOSITS> 767264 <SHORT-TERM> 11726 <LIABILITIES-OTHER> 3658 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 517 <OTHER-SE> 79577 <TOTAL-LIABILITIES-AND-EQUITY> 862742 <INTEREST-LOAN> 37266 <INTEREST-INVEST> 9854 <INTEREST-OTHER> 1086 <INTEREST-TOTAL> 48206 <INTEREST-DEPOSIT> 19367 <INTEREST-EXPENSE> 19880 <INTEREST-INCOME-NET> 28326 <LOAN-LOSSES> 613 <SECURITIES-GAINS> 14 <EXPENSE-OTHER> 26844 <INCOME-PRETAX> 9049 <INCOME-PRE-EXTRAORDINARY> 5759 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5759 <EPS-PRIMARY> 1.10 <EPS-DILUTED> 1.10 <YIELD-ACTUAL> 7.73 <LOANS-NON> 2450 <LOANS-PAST> 112 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5657 <CHARGE-OFFS> 1210 <RECOVERIES> 246 <ALLOWANCE-CLOSE> 5306 <ALLOWANCE-DOMESTIC> 5306 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0