<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> 23,411 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 121,939 <INVESTMENTS-CARRYING> 23,856 <INVESTMENTS-MARKET> 24,711 <LOANS> 719,407 <ALLOWANCE> 7,329 <TOTAL-ASSETS> 959,077 <DEPOSITS> 681,133 <SHORT-TERM> 187,629 <LIABILITIES-OTHER> 9,964 <LONG-TERM> 22,750 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,574 <OTHER-SE> 53,027 <TOTAL-LIABILITIES-AND-EQUITY> 959,077 <INTEREST-LOAN> 47,937 <INTEREST-INVEST> 8,320 <INTEREST-OTHER> 745 <INTEREST-TOTAL> 57,002 <INTEREST-DEPOSIT> 16,749 <INTEREST-EXPENSE> 25,644 <INTEREST-INCOME-NET> 31,358 <LOAN-LOSSES> 1,103 <SECURITIES-GAINS> 166 <EXPENSE-OTHER> 26,798 <INCOME-PRETAX> 9,280 <INCOME-PRE-EXTRAORDINARY> 9,280 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,603 <EPS-PRIMARY> 1.43 <EPS-DILUTED> 1.43 <YIELD-ACTUAL> 5.05 <LOANS-NON> 2,861 <LOANS-PAST> 2,277 <LOANS-TROUBLED> 186 <LOANS-PROBLEM> 3,200 <ALLOWANCE-OPEN> 6,960 <CHARGE-OFFS> 1,189 <RECOVERIES> 455 <ALLOWANCE-CLOSE> 7,329 <ALLOWANCE-DOMESTIC> 3,265 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4,064