<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
SEPTEMBER 30, 1997 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-START>                             JAN-01-1997             JAN-01-1996
<PERIOD-END>                               SEP-30-1997             SEP-30-1996
<CASH>                                          14,763                  11,567
<INT-BEARING-DEPOSITS>                           2,700                     400
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     48,525                  42,395
<INVESTMENTS-CARRYING>                          54,105                  53,217
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        362,706                 345,975
<ALLOWANCE>                                    (3,030)                 (3,165)
<TOTAL-ASSETS>                                 498,959                 473,684
<DEPOSITS>                                     414,887                 411,125
<SHORT-TERM>                                    43,225                  26,097
<LIABILITIES-OTHER>                              2,894                   3,077
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                         49                      50
<COMMON>                                         2,388                   2,361
<OTHER-SE>                                      35,516                  30,974
<TOTAL-LIABILITIES-AND-EQUITY>                 498,959                 473,684
<INTEREST-LOAN>                                 22,702                  22,087
<INTEREST-INVEST>                                4,957                   4,282
<INTEREST-OTHER>                                   252                     271
<INTEREST-TOTAL>                                27,911                  26,640
<INTEREST-DEPOSIT>                              11,571                  11,006
<INTEREST-EXPENSE>                              12,670                  12,252
<INTEREST-INCOME-NET>                           15,241                  14,388
<LOAN-LOSSES>                                    1,118                     969
<SECURITIES-GAINS>                                  89                 (1,038)
<EXPENSE-OTHER>                                 10,514                  10,385
<INCOME-PRETAX>                                  6,027                   4,003
<INCOME-PRE-EXTRAORDINARY>                           0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,751                   2,433
<EPS-PRIMARY>                                     1.45                     .90
<EPS-DILUTED>                                     1.45                     .90
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                    0                       0
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0