<ARTICLE>                                            9
       
                                                           
<PERIOD-TYPE>                              12-MOS    12-MOS         12-MOS   
<FISCAL-YEAR-END>                     DEC-31-1995    DEC-31-1996    DEC-31-1997   
<PERIOD-END>                          DEC-31-1995    DEC-31-1996    DEC-31-1997   
<CASH>                                     34,327         48,126         49,982   
<INT-BEARING-DEPOSITS>                      1,287            693            573   
<FED-FUNDS-SOLD>                           38,226         14,910         26,405   
<TRADING-ASSETS>                                0              0              0   
<INVESTMENTS-HELD-FOR-SALE>               110,143        116,528        220,984   
<INVESTMENTS-CARRYING>                     15,685          9,680          7,347   
<INVESTMENTS-MARKET>                       15,875          9,741          7,347   
<LOANS>                                   300,895        388,728        419,293   
<ALLOWANCE>                                 3,710          3,672          4,266   
<TOTAL-ASSETS>                            530,852        619,439        764,719   
<DEPOSITS>                                465,508        547,182        683,398   
<SHORT-TERM>                                    0              0              0   
<LIABILITIES-OTHER>                         4,811          8,611          8,763   
<LONG-TERM>                                     0              0              0   
<PREFERRED-MANDATORY>                           0              0              0
<PREFERRED>                                     0              0              0   
<COMMON>                                   42,566         49,388         58,434   
<OTHER-SE>                                 17,967         14,258         14,124   
<TOTAL-LIABILITIES-AND-EQUITY>            530,852        619,439        764,719   
<INTEREST-LOAN>                            30,490         33,845         40,843   
<INTEREST-INVEST>                           8,188         10,113         12,372   
<INTEREST-OTHER>                                0              0              0   
<INTEREST-TOTAL>                           38,678         43,958         53,215   
<INTEREST-DEPOSIT>                         10,922         13,292         17,356   
<INTEREST-EXPENSE>                         10,971         13,319         17,385   
<INTEREST-INCOME-NET>                      27,707         30,639         35,830   
<LOAN-LOSSES>                                 527            685          1,520   
<SECURITIES-GAINS>                           (73)           (46)             11   
<EXPENSE-OTHER>                            19,352         22,727         20,884   
<INCOME-PRETAX>                            10,811         10,387         16,782   
<INCOME-PRE-EXTRAORDINARY>                 10,811         10,387         16,782   
<EXTRAORDINARY>                                 0              0              0   
<CHANGES>                                       0              0              0   
<NET-INCOME>                                6,611          6,039         10,147   
<EPS-PRIMARY>                                1.55           1.41           2.36   
<EPS-DILUTED>                                1.50           1.36           2.28   
<YIELD-ACTUAL>                                8.8              0            8.6   
<LOANS-NON>                                 2,481          1,564          2,150   
<LOANS-PAST>                                  261             17             43   
<LOANS-TROUBLED>                              513            279            174   
<LOANS-PROBLEM>                                 0              0              0   
<ALLOWANCE-OPEN>                            3,769          3,710          3,672   
<CHARGE-OFFS>                                 850          1,070          1,143   
<RECOVERIES>                                  264            347            217   
<ALLOWANCE-CLOSE>                           3,710          3,672          4,266   
<ALLOWANCE-DOMESTIC>                        3,710          3,672          4,266   
<ALLOWANCE-FOREIGN>                             0              0              0   
<ALLOWANCE-UNALLOCATED>                         0              0              0