<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1997 <CASH> 71,286 <INT-BEARING-DEPOSITS> 2,928 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 75,117 <INVESTMENTS-CARRYING> 263,425 <INVESTMENTS-MARKET> 265,189 <LOANS> 261,516 <ALLOWANCE> 2,016 <TOTAL-ASSETS> 625,338 <DEPOSITS> 443,584 <SHORT-TERM> 0 <LIABILITIES-OTHER> 10,682 <LONG-TERM> 98,359 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 529 <OTHER-SE> 72,184 <TOTAL-LIABILITIES-AND-EQUITY> 625,338 <INTEREST-LOAN> 18,294 <INTEREST-INVEST> 13,779 <INTEREST-OTHER> 1,126 <INTEREST-TOTAL> 33,199 <INTEREST-DEPOSIT> 13,820 <INTEREST-EXPENSE> 18,235 <INTEREST-INCOME-NET> 14,964 <LOAN-LOSSES> 382 <SECURITIES-GAINS> 276 <EXPENSE-OTHER> 10,232 <INCOME-PRETAX> 6,173 <INCOME-PRE-EXTRAORDINARY> 6,173 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,796 <EPS-PRIMARY> .93 <EPS-DILUTED> .93 <YIELD-ACTUAL> 3.24 <LOANS-NON> 0 <LOANS-PAST> 1,311 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,983 <CHARGE-OFFS> 42 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 2,016 <ALLOWANCE-DOMESTIC> 2,016 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,016