<ARTICLE>               9
<LEGEND>
This schedule contains summary financial information extracted from the
September 30, 1997 10-Q and is qualified in its entirety by reference to such
10-Q.
</LEGEND>
<MULTIPLIER>            1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          23,934
<INT-BEARING-DEPOSITS>                              28
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   571
<INVESTMENTS-HELD-FOR-SALE>                     35,196
<INVESTMENTS-CARRYING>                         103,910
<INVESTMENTS-MARKET>                           104,084
<LOANS>                                        397,033
<ALLOWANCE>                                     16,176
<TOTAL-ASSETS>                                 579,003
<DEPOSITS>                                     505,286
<SHORT-TERM>                                     7,097
<LIABILITIES-OTHER>                              9,762
<LONG-TERM>                                      6,416
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            44
<OTHER-SE>                                      50,398
<TOTAL-LIABILITIES-AND-EQUITY>                 579,003
<INTEREST-LOAN>                                 28,850
<INTEREST-INVEST>                                7,112
<INTEREST-OTHER>                                    77
<INTEREST-TOTAL>                                36,039
<INTEREST-DEPOSIT>                              12,904
<INTEREST-EXPENSE>                                 718
<INTEREST-INCOME-NET>                           22,417
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                (56)
<EXPENSE-OTHER>                                 19,425
<INCOME-PRETAX>                                  7,907
<INCOME-PRE-EXTRAORDINARY>                       7,907
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,131
<EPS-PRIMARY>                                     1.39
<EPS-DILUTED>                                     1.39
<YIELD-ACTUAL>                                    5.57
<LOANS-NON>                                      3,175
<LOANS-PAST>                                       707
<LOANS-TROUBLED>                                 2,157
<LOANS-PROBLEM>                                 14,716
<ALLOWANCE-OPEN>                                15,700
<CHARGE-OFFS>                                    1,241
<RECOVERIES>                                     1,417
<ALLOWANCE-CLOSE>                               16,176
<ALLOWANCE-DOMESTIC>                            16,176
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,323