<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