<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           2,373
<INT-BEARING-DEPOSITS>                             691
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     47,376
<INVESTMENTS-CARRYING>                          20,136
<INVESTMENTS-MARKET>                            19,920
<LOANS>                                        388,222
<ALLOWANCE>                                      5,975
<TOTAL-ASSETS>                                 488,346
<DEPOSITS>                                     345,569
<SHORT-TERM>                                    23,000
<LIABILITIES-OTHER>                             10,427
<LONG-TERM>                                     30,160
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            36
<OTHER-SE>                                      79,154
<TOTAL-LIABILITIES-AND-EQUITY>                 488,346
<INTEREST-LOAN>                                  8,582
<INTEREST-INVEST>                                1,175
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 9,757
<INTEREST-DEPOSIT>                               4,493
<INTEREST-EXPENSE>                               5,330
<INTEREST-INCOME-NET>                            4,427
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                (59)
<EXPENSE-OTHER>                                  2,247
<INCOME-PRETAX>                                  2,476
<INCOME-PRE-EXTRAORDINARY>                       1,676
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,676
<EPS-PRIMARY>                                     0.49
<EPS-DILUTED>                                     0.49
<YIELD-ACTUAL>                                    3.89
<LOANS-NON>                                      3,546
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,926
<CHARGE-OFFS>                                      152
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                5,975
<ALLOWANCE-DOMESTIC>                             5,975
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0