<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1997
<CASH>                                           9,333
<INT-BEARING-DEPOSITS>                             219
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     78,672
<INVESTMENTS-CARRYING>                          78,867
<INVESTMENTS-MARKET>                            78,867
<LOANS>                                        467,968
<ALLOWANCE>                                      4,463
<TOTAL-ASSETS>                                 605,486
<DEPOSITS>                                     387,574
<SHORT-TERM>                                   170,220
<LIABILITIES-OTHER>                              4,372
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                      43,270
<TOTAL-LIABILITIES-AND-EQUITY>                 605,486
<INTEREST-LOAN>                                 30,072
<INTEREST-INVEST>                                5,117
<INTEREST-OTHER>                                 1,277
<INTEREST-TOTAL>                                36,466
<INTEREST-DEPOSIT>                              14,800
<INTEREST-EXPENSE>                              22,241
<INTEREST-INCOME-NET>                           14,225
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                  15
<EXPENSE-OTHER>                                  3,456
<INCOME-PRETAX>                                  4,848
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,981
<EPS-PRIMARY>                                     0.60
<EPS-DILUTED>                                     0.60
<YIELD-ACTUAL>                                    8.24
<LOANS-NON>                                      4,582
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,390
<CHARGE-OFFS>                                      172
<RECOVERIES>                                        20
<ALLOWANCE-CLOSE>                                4,463
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,463