<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
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<PERIOD-END>                               SEP-30-1997
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<DEPOSITS>                                     174,560
<SHORT-TERM>                                    11,315
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<LONG-TERM>                                        856
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<INTEREST-EXPENSE>                               5,417
<INTEREST-INCOME-NET>                            6,565
<LOAN-LOSSES>                                      333
<SECURITIES-GAINS>                                   1
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<INCOME-PRETAX>                                  2,769
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