<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
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<ALLOWANCE>                                      1,549
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<DEPOSITS>                                     307,356
<SHORT-TERM>                                         0
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<LONG-TERM>                                     20,000
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<OTHER-SE>                                      52,621
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<LOAN-LOSSES>                                      502
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<EPS-PRIMARY>                                     1.19
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<CHARGE-OFFS>                                     (16)
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