<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   9-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               SEP-30-1997             DEC-31-1996
<CASH>                                          18,631                  17,233
<INT-BEARING-DEPOSITS>                         318,040                 305,491
<FED-FUNDS-SOLD>                                     0                   2,075
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      4,628                  12,647
<INVESTMENTS-CARRYING>                         166,624                 143,216
<INVESTMENTS-MARKET>                           169,856                 143,221
<LOANS>                                        346,760                 311,246
<ALLOWANCE>                                      5,015                   4,472
<TOTAL-ASSETS>                                 569,461                 510,078
<DEPOSITS>                                     373,344                 353,240
<SHORT-TERM>                                   128,464                  93,760
<LIABILITIES-OTHER>                              6,716                   5,256
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         2,436                   2,436
<OTHER-SE>                                      58,501                  55,386
<TOTAL-LIABILITIES-AND-EQUITY>                 569,461                 510,078
<INTEREST-LOAN>                                 23,556                  29,483
<INTEREST-INVEST>                                9,717                  10,281
<INTEREST-OTHER>                                   344                   1,251
<INTEREST-TOTAL>                                33,617                  41,015
<INTEREST-DEPOSIT>                               9,967                  13,982
<INTEREST-EXPENSE>                              15,874                  19,105
<INTEREST-INCOME-NET>                           17,743                  21,910
<LOAN-LOSSES>                                      957                     838
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 10,041                  12,338
<INCOME-PRETAX>                                 10,151                  12,145
<INCOME-PRE-EXTRAORDINARY>                      10,151                  12,145
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     6,734                   8,115
<EPS-PRIMARY>                                     2.96                    3.48
<EPS-DILUTED>                                     2.91                    3.43
<YIELD-ACTUAL>                                    8.52                    8.67
<LOANS-NON>                                      1,185                   1,674
<LOANS-PAST>                                       824                     599
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  2,009                   2,273
<ALLOWANCE-OPEN>                                 4,472                   4,080
<CHARGE-OFFS>                                      730                     656
<RECOVERIES>                                       316                     210
<ALLOWANCE-CLOSE>                                5,015                   4,472
<ALLOWANCE-DOMESTIC>                             4,450                   4,175
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            565                     297