<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
                             
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                          Dec-31-1997
<PERIOD-END>                               Dec-31-1997
<CASH>                                          23,068
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<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<LOANS>                                        642,562
<ALLOWANCE>                                      8,485
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<DEPOSITS>                                     694,444
<SHORT-TERM>                                    98,534
<LIABILITIES-OTHER>                              8,081
<LONG-TERM>                                     72,502
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<INTEREST-LOAN>                                 55,323
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<INTEREST-EXPENSE>                               7,726
<INTEREST-INCOME-NET>                           37,132
<LOAN-LOSSES>                                    3,438
<SECURITIES-GAINS>                                 741
<EXPENSE-OTHER>                                 22,756
<INCOME-PRETAX>                                 15,808
<INCOME-PRE-EXTRAORDINARY>                           0
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<EPS-PRIMARY>                                     1.95
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<LOANS-NON>                                      3,003
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<CHARGE-OFFS>                                    2,657
<RECOVERIES>                                       498
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<ALLOWANCE-FOREIGN>                                  0
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