<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-START>                             JAN-01-1997             JAN-01-1996
<PERIOD-END>                               SEP-30-1997             SEP-30-1996
<CASH>                                          20,352                  12,469
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 7,400                  19,400
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     31,133                  26,751
<INVESTMENTS-CARRYING>                          30,107                  45,611
<INVESTMENTS-MARKET>                            30,467                  45,901
<LOANS>                                        220,269                 167,725
<ALLOWANCE>                                      4,638                   5,133
<TOTAL-ASSETS>                                 313,900                 274,871
<DEPOSITS>                                     273,377                 240,254
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              3,352                   2,035
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        31,278                  31,423
<OTHER-SE>                                       5,893                   1,159
<TOTAL-LIABILITIES-AND-EQUITY>                 313,900                 274,871
<INTEREST-LOAN>                                 15,612                  12,394
<INTEREST-INVEST>                                3,488                   3,191
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                19,100                  15,585
<INTEREST-DEPOSIT>                               5,328                   3,654
<INTEREST-EXPENSE>                               5,367                   3,685
<INTEREST-INCOME-NET>                           13,733                  11,900
<LOAN-LOSSES>                                       75                     525
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  8,852                   8,115
<INCOME-PRETAX>                                  5,495                   3,785
<INCOME-PRE-EXTRAORDINARY>                       5,495                   3,785
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,425                   2,960
<EPS-PRIMARY>                                     0.24                    0.23
<EPS-DILUTED>                                     0.24                    0.23
<YIELD-ACTUAL>                                    6.72                    7.04
<LOANS-NON>                                      3,465                   3,200
<LOANS-PAST>                                       192                     151
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,969                   4,960
<CHARGE-OFFS>                                      732                     666
<RECOVERIES>                                       326                     314
<ALLOWANCE-CLOSE>                                4,638                   5,133
<ALLOWANCE-DOMESTIC>                             4,638                   5,133
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,790                   1,968