<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 51,189 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 162,896 <INVESTMENTS-CARRYING> 50,314 <INVESTMENTS-MARKET> 51,362 <LOANS> 604,538 <ALLOWANCE> 6,593 <TOTAL-ASSETS> 904,213 <DEPOSITS> 801,412 <SHORT-TERM> 5,750 <LIABILITIES-OTHER> 6,390 <LONG-TERM> 10,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,291 <OTHER-SE> 74,370 <TOTAL-LIABILITIES-AND-EQUITY> 904,213 <INTEREST-LOAN> 13,127 <INTEREST-INVEST> 3,031 <INTEREST-OTHER> 95 <INTEREST-TOTAL> 16,253 <INTEREST-DEPOSIT> 7,730 <INTEREST-EXPENSE> 8,005 <INTEREST-INCOME-NET> 8,248 <LOAN-LOSSES> 200 <SECURITIES-GAINS> 92 <EXPENSE-OTHER> 6,811 <INCOME-PRETAX> 3,769 <INCOME-PRE-EXTRAORDINARY> 2,640 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,640 <EPS-PRIMARY> 0.38 <EPS-DILUTED> 0.38 <YIELD-ACTUAL> 8.04 <LOANS-NON> 1,012 <LOANS-PAST> 2,036 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 359 <ALLOWANCE-OPEN> 6,517 <CHARGE-OFFS> 128 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 6,593 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0