<ARTICLE> 9
<LEGEND>
(This schedule contains summary financial information extracted from Form 10-K
and is qualified in its entirety by reference to such financial statements.)
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          21,242
<INT-BEARING-DEPOSITS>                             118
<FED-FUNDS-SOLD>                                 3,330
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     50,892
<INVESTMENTS-CARRYING>                          58,980
<INVESTMENTS-MARKET>                            59,533
<LOANS>                                        801,545
<ALLOWANCE>                                      6,600<F1>
<TOTAL-ASSETS>                                 974,680
<DEPOSITS>                                     619,821
<SHORT-TERM>                                   125,140
<LIABILITIES-OTHER>                              9,608
<LONG-TERM>                                    138,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            66
<OTHER-SE>                                       8,545
<TOTAL-LIABILITIES-AND-EQUITY>                 974,680
<INTEREST-LOAN>                                 58,805
<INTEREST-INVEST>                                9,232
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                68,037
<INTEREST-DEPOSIT>                              19,176
<INTEREST-EXPENSE>                              37,129
<INTEREST-INCOME-NET>                           30,908
<LOAN-LOSSES>                                    1,696
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 21,458
<INCOME-PRETAX>                                 12,560
<INCOME-PRE-EXTRAORDINARY>                      12,560
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,055
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                     1.24
<YIELD-ACTUAL>                                    3.42
<LOANS-NON>                                      1,405
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   369
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,020
<CHARGE-OFFS>                                      515
<RECOVERIES>                                       399
<ALLOWANCE-CLOSE>                                6,600
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,600
        

<FN>

 F1 Allowance-open includes 620 from BNB acquisition.