<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 53,439 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 18,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 120,878 <INVESTMENTS-CARRYING> 26,048 <INVESTMENTS-MARKET> 146,926 <LOANS> 611,387 <ALLOWANCE> 6,524 <TOTAL-ASSETS> 864,913 <DEPOSITS> 777,595 <SHORT-TERM> 0 <LIABILITIES-OTHER> 22,178 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 65,140 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 864,913 <INTEREST-LOAN> 54,628 <INTEREST-INVEST> 8,373 <INTEREST-OTHER> 1,128 <INTEREST-TOTAL> 64,129 <INTEREST-DEPOSIT> 20,533 <INTEREST-EXPENSE> 20,970 <INTEREST-INCOME-NET> 43,159 <LOAN-LOSSES> 1,059 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 30,303 <INCOME-PRETAX> 19,443 <INCOME-PRE-EXTRAORDINARY> 19,443 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 11,302 <EPS-PRIMARY> 1.79 <EPS-DILUTED> 1.79 <YIELD-ACTUAL> 5.84 <LOANS-NON> 2,449 <LOANS-PAST> 1,876 <LOANS-TROUBLED> 701 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,113 <CHARGE-OFFS> 834 <RECOVERIES> 186 <ALLOWANCE-CLOSE> 6,524 <ALLOWANCE-DOMESTIC> 6,524 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0