<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 39,803 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 37,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 87,465 <INVESTMENTS-CARRYING> 42,965 <INVESTMENTS-MARKET> 43,584 <LOANS> 541,234 <ALLOWANCE> (11,802) <TOTAL-ASSETS> 777,597 <DEPOSITS> 698,132 <SHORT-TERM> 0 <LIABILITIES-OTHER> 5,449 <LONG-TERM> 23,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 36,181 <OTHER-SE> 14,835 <TOTAL-LIABILITIES-AND-EQUITY> 777,597 <INTEREST-LOAN> 38,453 <INTEREST-INVEST> 4,712 <INTEREST-OTHER> 2,027 <INTEREST-TOTAL> 45,192 <INTEREST-DEPOSIT> 15,630 <INTEREST-EXPENSE> 17,270 <INTEREST-INCOME-NET> 27,922 <LOAN-LOSSES> 5,287 <SECURITIES-GAINS> (44) <EXPENSE-OTHER> 17,189 <INCOME-PRETAX> 9,963 <INCOME-PRE-EXTRAORDINARY> 9,963 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,097 <EPS-PRIMARY> 1.68 <EPS-DILUTED> 1.68 <YIELD-ACTUAL> 9.29 <LOANS-NON> 2,389 <LOANS-PAST> 457 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,066 <CHARGE-OFFS> 822 <RECOVERIES> 25 <ALLOWANCE-CLOSE> 11,802 <ALLOWANCE-DOMESTIC> 11,802 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0