<ARTICLE>  9
       
                                                                                                          
<PERIOD-TYPE>                                                                3-MOS              6-MOS              9-MOS
<FISCAL-YEAR-END>                                                            DEC-31-1997        DEC-31-1997        DEC-31-1997
<PERIOD-END>                                                                 MAR-31-1997        JUN-30-1997        SEP-30-1997
<CASH>                                                                                 6,540              6,971              6,661
<INT-BEARING-DEPOSITS>                                                                   353                492                204
<FED-FUNDS-SOLD>                                                                       5,985              7,450              6,898
<TRADING-ASSETS>                                                                       4,194              5,418              7,825
<INVESTMENTS-HELD-FOR-SALE>                                                           16,839             18,817             18,924
<INVESTMENTS-CARRYING>                                                                 2,408              2,285              2,268
<INVESTMENTS-MARKET>                                                                   2,522              2,417              2,412
<LOANS>                                                                              104,480            106,121            104,757
<ALLOWANCE>                                                                           (1,487)            (1,490)            (1,496)
<TOTAL-ASSETS>                                                                       148,442            154,795            155,175
<DEPOSITS>                                                                           100,298            100,989             99,403
<SHORT-TERM>                                                                          24,500             29,544             29,545
<LIABILITIES-OTHER>                                                                    3,615              4,018              4,520
<LONG-TERM>                                                                            8,004              7,608              8,169
<PREFERRED-MANDATORY>                                                                      0                  0                  0
<PREFERRED>                                                                                0                  0                  0
<COMMON>                                                                               2,086              2,091              2,118
<OTHER-SE>                                                                             8,314              8,825              9,592
<TOTAL-LIABILITIES-AND-EQUITY>                                                       148,442            154,795            155,175
<INTEREST-LOAN>                                                                        2,162              4,378              6,604
<INTEREST-INVEST>                                                                        321                701              1,068
<INTEREST-OTHER>                                                                          86                190                300
<INTEREST-TOTAL>                                                                       2,625              5,396              8,187
<INTEREST-DEPOSIT>                                                                       804              1,625              2,443
<INTEREST-EXPENSE>                                                                     1,221              2,532              3,860
<INTEREST-INCOME-NET>                                                                  1,404              2,864              4,327
<LOAN-LOSSES>                                                                            162                340                515
<SECURITIES-GAINS>                                                                         4                 10                 22
<EXPENSE-OTHER>                                                                        1,283              2,637              3,929
<INCOME-PRETAX>                                                                          776              1,519              2,362
<INCOME-PRE-EXTRAORDINARY>                                                               776              1,519              2,362
<EXTRAORDINARY>                                                                            0                  0                  0
<CHANGES>                                                                                  0                  0                  0
<NET-INCOME>                                                                             504                987              1,534
<EPS-PRIMARY>                                                                           0.80               1.58               2.46
<EPS-DILUTED>                                                                           0.79               1.56               2.43
<YIELD-ACTUAL>                                                                          4.44               4.42               4.40
<LOANS-NON>                                                                              701                637                634
<LOANS-PAST>                                                                             332                318                306
<LOANS-TROUBLED>                                                                          11                  2                  1
<LOANS-PROBLEM>                                                                            0                  0                  0
<ALLOWANCE-OPEN>                                                                       1,502              1,502              1,502
<CHARGE-OFFS>                                                                            188                391                589
<RECOVERIES>                                                                              28                 56                 85
<ALLOWANCE-CLOSE>                                                                      1,487              1,490              1,496
<ALLOWANCE-DOMESTIC>                                                                   1,043              1,027              1,068
<ALLOWANCE-FOREIGN>                                                                        5                  3                  5
<ALLOWANCE-UNALLOCATED>                                                                  439                460                423