<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <EXCHANGE-RATE> 1 <CASH> 21,650 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 49 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 236,298 <INVESTMENTS-CARRYING> 35,223 <INVESTMENTS-MARKET> 36,645 <LOANS> 761,027 <ALLOWANCE> (6,617) <TOTAL-ASSETS> 1,081,618 <DEPOSITS> 747,047 <SHORT-TERM> 12,300 <LIABILITIES-OTHER> 9,789 <LONG-TERM> 227,149 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 63,343 <OTHER-SE> 21,990 <TOTAL-LIABILITIES-AND-EQUITY> 1,081,618 <INTEREST-LOAN> 64,697 <INTEREST-INVEST> 18,863 <INTEREST-OTHER> 1,009 <INTEREST-TOTAL> 84,569 <INTEREST-DEPOSIT> 33,362 <INTEREST-EXPENSE> 48,256 <INTEREST-INCOME-NET> 36,313 <LOAN-LOSSES> 1,221 <SECURITIES-GAINS> 88 <EXPENSE-OTHER> 26,702 <INCOME-PRETAX> 16,306 <INCOME-PRE-EXTRAORDINARY> 10,770 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,770 <EPS-PRIMARY> 2.71 <EPS-DILUTED> 2.71 <YIELD-ACTUAL> 8.13 <LOANS-NON> 832 <LOANS-PAST> 1,394 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,599 <CHARGE-OFFS> (1,772) <RECOVERIES> 569 <ALLOWANCE-CLOSE> 6,617 <ALLOWANCE-DOMESTIC> 6,617 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0