<ARTICLE> 9
<MULTIPLIER>  1000
       
                                       
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1997
<PERIOD-START> JAN-01-1997
<PERIOD-END> SEP-30-1997
<CASH>                                 35,194
<INT-BEARING-DEPOSITS>                    585
<FED-FUNDS-SOLD>                       29,580
<TRADING-ASSETS>                            0
<INVESTMENTS-HELD-FOR-SALE>           135,819
<INVESTMENTS-CARRYING>                118,534
<INVESTMENTS-MARKET>                  120,955
<LOANS>                               666,601
<ALLOWANCE>                            10,143
<TOTAL-ASSETS>                      1,040,005
<DEPOSITS>                            850,171
<SHORT-TERM>                           54,576
<LIABILITIES-OTHER>                    13,050
<LONG-TERM>                            26,247
<PREFERRED-MANDATORY>                       0
<PREFERRED>                                 0
<COMMON>                               28,779
<OTHER-SE>                             67,183
<TOTAL-LIABILITIES-AND-EQUITY>      1,040,005
<INTEREST-LOAN>                        43,311
<INTEREST-INVEST>                      11,078
<INTEREST-OTHER>                          603
<INTEREST-TOTAL>                       54,992
<INTEREST-DEPOSIT>                     20,413
<INTEREST-EXPENSE>                     23,497
<INTEREST-INCOME-NET>                  31,495
<LOAN-LOSSES>                           2,453
<SECURITIES-GAINS>                          0
<EXPENSE-OTHER>                        18,721
<INCOME-PRETAX>                        16,431
<INCOME-PRE-EXTRAORDINARY>             16,431
<EXTRAORDINARY>                             0
<CHANGES>                                   0
<NET-INCOME>                           11,223
<EPS-PRIMARY>                            1.99
<EPS-DILUTED>                            1.99
<YIELD-ACTUAL>                           5.29
<LOANS-NON>                            11,507
<LOANS-PAST>                            2,255
<LOANS-TROUBLED>                          381
<LOANS-PROBLEM>                        13,762
<ALLOWANCE-OPEN>                        8,987
<CHARGE-OFFS>                           3,816
<RECOVERIES>                              538
<ALLOWANCE-CLOSE>                      10,143
<ALLOWANCE-DOMESTIC>                    2,079
<ALLOWANCE-FOREIGN>                         0
<ALLOWANCE-UNALLOCATED>                 8,064