<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> 35,437 <INT-BEARING-DEPOSITS> 2,069 <FED-FUNDS-SOLD> 44,838 <TRADING-ASSETS> 2,590 <INVESTMENTS-HELD-FOR-SALE> 115,963 <INVESTMENTS-CARRYING> 61,455 <INVESTMENTS-MARKET> 61,900 <LOANS> 630,139 <ALLOWANCE> 9,699 <TOTAL-ASSETS> 938,792 <DEPOSITS> 711,405 <SHORT-TERM> 125,634 <LIABILITIES-OTHER> 15,088 <LONG-TERM> 14,480 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,574 <OTHER-SE> 65,611 <TOTAL-LIABILITIES-AND-EQUITY> 938,792 <INTEREST-LOAN> 42,181 <INTEREST-INVEST> 7,859 <INTEREST-OTHER> 1,875 <INTEREST-TOTAL> 51,915 <INTEREST-DEPOSIT> 20,463 <INTEREST-EXPENSE> 25,089 <INTEREST-INCOME-NET> 26,826 <LOAN-LOSSES> 107 <SECURITIES-GAINS> 7 <EXPENSE-OTHER> 26,541 <INCOME-PRETAX> 12,167 <INCOME-PRE-EXTRAORDINARY> 12,167 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,193 <EPS-PRIMARY> 1.22 <EPS-DILUTED> 1.21 <YIELD-ACTUAL> 4.33 <LOANS-NON> 1,734 <LOANS-PAST> 0 <LOANS-TROUBLED> 484 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,322 <CHARGE-OFFS> 827 <RECOVERIES> 1,097 <ALLOWANCE-CLOSE> 9,699 <ALLOWANCE-DOMESTIC> 9,699 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 9,699