<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <EXCHANGE-RATE> 1 <CASH> 22,230 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 25,325 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 230,628 <INVESTMENTS-CARRYING> 41,774 <INVESTMENTS-MARKET> 43,596 <LOANS> 772,280 <ALLOWANCE> (7,136) <TOTAL-ASSETS> 1,119,616 <DEPOSITS> 776,047 <SHORT-TERM> 0 <LIABILITIES-OTHER> 8,758 <LONG-TERM> 251,335 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 83,476 <TOTAL-LIABILITIES-AND-EQUITY> 1,119,616 <INTEREST-LOAN> 48,119 <INTEREST-INVEST> 14,463 <INTEREST-OTHER> 690 <INTEREST-TOTAL> 63,272 <INTEREST-DEPOSIT> 24,726 <INTEREST-EXPENSE> 35,878 <INTEREST-INCOME-NET> 27,394 <LOAN-LOSSES> 919 <SECURITIES-GAINS> 103 <EXPENSE-OTHER> 19,951 <INCOME-PRETAX> 12,134 <INCOME-PRE-EXTRAORDINARY> 8,034 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,034 <EPS-PRIMARY> 2.02 <EPS-DILUTED> 2.02 <YIELD-ACTUAL> 8.05 <LOANS-NON> 1,659 <LOANS-PAST> 1,208 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,599 <CHARGE-OFFS> (853) <RECOVERIES> 471 <ALLOWANCE-CLOSE> 7,136 <ALLOWANCE-DOMESTIC> 7,136 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0