<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 30,446 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,560 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 97,396 <INVESTMENTS-CARRYING> 32,206 <INVESTMENTS-MARKET> 32,218 <LOANS> 486,081 <ALLOWANCE> 7,395 <TOTAL-ASSETS> 685,411 <DEPOSITS> 582,929 <SHORT-TERM> 21,982 <LIABILITIES-OTHER> 13,770 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,525 <OTHER-SE> 59,205 <TOTAL-LIABILITIES-AND-EQUITY> 685,411 <INTEREST-LOAN> 37,159 <INTEREST-INVEST> 6,057 <INTEREST-OTHER> 317 <INTEREST-TOTAL> 43,533 <INTEREST-DEPOSIT> 17,973 <INTEREST-EXPENSE> 19,338 <INTEREST-INCOME-NET> 24,195 <LOAN-LOSSES> 1,715 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 20,020 <INCOME-PRETAX> 8,102 <INCOME-PRE-EXTRAORDINARY> 8,102 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,411 <EPS-PRIMARY> .75 <EPS-DILUTED> .75 <YIELD-ACTUAL> 5.30 <LOANS-NON> 9,486 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 9,486 <ALLOWANCE-OPEN> 7,273 <CHARGE-OFFS> 2,037 <RECOVERIES> 444 <ALLOWANCE-CLOSE> 7,395 <ALLOWANCE-DOMESTIC> 7,395 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 7,395