<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED SEPTEMBER 30, 1997 AS PRESENTED IN ITS THIRD QUARTER 1997 FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          28,132
<INT-BEARING-DEPOSITS>                           1,321
<FED-FUNDS-SOLD>                                 6,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    188,519
<INVESTMENTS-CARRYING>                           6,146
<INVESTMENTS-MARKET>                             6,146
<LOANS>                                        293,510
<ALLOWANCE>                                      4,152
<TOTAL-ASSETS>                                 545,813
<DEPOSITS>                                     452,886
<SHORT-TERM>                                    12,494
<LIABILITIES-OTHER>                             10,299
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,750
<OTHER-SE>                                      46,804
<TOTAL-LIABILITIES-AND-EQUITY>                 545,813
<INTEREST-LOAN>                                 19,858
<INTEREST-INVEST>                                9,144
<INTEREST-OTHER>                                   397
<INTEREST-TOTAL>                                23,398
<INTEREST-DEPOSIT>                              11,022
<INTEREST-EXPENSE>                              12,027
<INTEREST-INCOME-NET>                           17,372
<LOAN-LOSSES>                                      739
<SECURITIES-GAINS>                                 143
<EXPENSE-OTHER>                                 14,749
<INCOME-PRETAX>                                  7,142
<INCOME-PRE-EXTRAORDINARY>                       4,683
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,683
<EPS-PRIMARY>                                     2.26
<EPS-DILUTED>                                     2.26
<YIELD-ACTUAL>                                    4.75
<LOANS-NON>                                        687
<LOANS-PAST>                                       447
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,975
<CHARGE-OFFS>                                      627
<RECOVERIES>                                        65
<ALLOWANCE-CLOSE>                                4,152
<ALLOWANCE-DOMESTIC>                             2,343
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,809