<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   9-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-END>                               SEP-30-1998             DEC-31-1997
<CASH>                                          18,040                  13,451
<INT-BEARING-DEPOSITS>                         416,457                 321,987
<FED-FUNDS-SOLD>                                 6,007                   1,100
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     17,440                   4,312
<INVESTMENTS-CARRYING>                         102,908                 160,894
<INVESTMENTS-MARKET>                           106,935                 164,286
<LOANS>                                        412,388                 363,149
<ALLOWANCE>                                      6,306                   5,640
<TOTAL-ASSETS>                                 596,831                 573,892
<DEPOSITS>                                     482,170                 373,409
<SHORT-TERM>                                    40,804                 132,478
<LIABILITIES-OTHER>                              8,374                   5,449
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         2,436                   2,436
<OTHER-SE>                                      63,047                  60,120
<TOTAL-LIABILITIES-AND-EQUITY>                 596,831                 573,892
<INTEREST-LOAN>                                 27,279                  32,845
<INTEREST-INVEST>                                7,298                  12,796
<INTEREST-OTHER>                                   775                     410
<INTEREST-TOTAL>                                35,352                  46,051
<INTEREST-DEPOSIT>                              12,417                  13,484
<INTEREST-EXPENSE>                              15,492                  21,229
<INTEREST-INCOME-NET>                           19,860                  24,822
<LOAN-LOSSES>                                      992                   1,677
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 12,349                  13,294
<INCOME-PRETAX>                                 10,290                  13,601
<INCOME-PRE-EXTRAORDINARY>                      10,290                  13,601
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     6,989                   9,148
<EPS-PRIMARY>                                     3.09                    4.02
<EPS-DILUTED>                                     3.03                    3.93
<YIELD-ACTUAL>                                    8.92                    8.72
<LOANS-NON>                                      1,323                   1,215
<LOANS-PAST>                                     1,343                   1,004
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  2,666                   2,219
<ALLOWANCE-OPEN>                                 5,640                   4,472
<CHARGE-OFFS>                                      509                   1,092
<RECOVERIES>                                       183                     583
<ALLOWANCE-CLOSE>                                6,306                   5,640
<ALLOWANCE-DOMESTIC>                             6,306                   5,640
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            250                     412