<ARTICLE> 9
<LEGEND>
EXTRACTED FROM CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION DEC 31, 1997
CONSOLIDATED STATEMENTS OF OPERATIONS DEC 31, 1997 REFERENCE TO ANNUAL REPORT
FORM 10-K DEC 31, 1997.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          26,463
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     93,254
<INVESTMENTS-CARRYING>                          11,012
<INVESTMENTS-MARKET>                            11,145
<LOANS>                                        424,592
<ALLOWANCE>                                      3,544
<TOTAL-ASSETS>                                 580,398
<DEPOSITS>                                     346,784
<SHORT-TERM>                                    93,799
<LIABILITIES-OTHER>                              7,772
<LONG-TERM>                                     72,434
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            69
<OTHER-SE>                                      59,540
<TOTAL-LIABILITIES-AND-EQUITY>                 580,396
<INTEREST-LOAN>                                 36,232
<INTEREST-INVEST>                                7,772
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                44,004
<INTEREST-DEPOSIT>                              11,092
<INTEREST-EXPENSE>                              19,878
<INTEREST-INCOME-NET>                           24,126
<LOAN-LOSSES>                                      747
<SECURITIES-GAINS>                                 197
<EXPENSE-OTHER>                                 17,219
<INCOME-PRETAX>                                 14,499
<INCOME-PRE-EXTRAORDINARY>                       9,180
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,180
<EPS-PRIMARY>                                     1.35
<EPS-DILUTED>                                     1.32
<YIELD-ACTUAL>                                    4.68
<LOANS-NON>                                        348
<LOANS-PAST>                                       868
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,284
<CHARGE-OFFS>                                      634
<RECOVERIES>                                       147
<ALLOWANCE-CLOSE>                                3,544
<ALLOWANCE-DOMESTIC>                             3,544
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0