<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           47754
<INT-BEARING-DEPOSITS>                             473
<FED-FUNDS-SOLD>                                 74659
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     153897
<INVESTMENTS-CARRYING>                            7457
<INVESTMENTS-MARKET>                              7469
<LOANS>                                         416067
<ALLOWANCE>                                       4168
<TOTAL-ASSETS>                                  723331
<DEPOSITS>                                      646796
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               6292
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         49840
<OTHER-SE>                                       20403
<TOTAL-LIABILITIES-AND-EQUITY>                  723331
<INTEREST-LOAN>                                  30452
<INTEREST-INVEST>                                 8216
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 38668
<INTEREST-DEPOSIT>                               12494
<INTEREST-EXPENSE>                               12518
<INTEREST-INCOME-NET>                            26150
<LOAN-LOSSES>                                      910
<SECURITIES-GAINS>                                  11
<EXPENSE-OTHER>                                  14957
<INCOME-PRETAX>                                  12700
<INCOME-PRE-EXTRAORDINARY>                       12700
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      7672
<EPS-PRIMARY>                                     1.81
<EPS-DILUTED>                                     1.81
<YIELD-ACTUAL>                                    8.70
<LOANS-NON>                                       2080
<LOANS-PAST>                                        46
<LOANS-TROUBLED>                                   246
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  3672
<CHARGE-OFFS>                                      576
<RECOVERIES>                                       162
<ALLOWANCE-CLOSE>                                 4168
<ALLOWANCE-DOMESTIC>                              4168
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0