<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 31,171 <INT-BEARING-DEPOSITS> 5 <FED-FUNDS-SOLD> 31,641 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 34,012 <INVESTMENTS-CARRYING> 20,045 <INVESTMENTS-MARKET> 20,614 <LOANS> 299,645<F1> <ALLOWANCE> 7,989 <TOTAL-ASSETS> 448,881 <DEPOSITS> 392,670 <SHORT-TERM> 5,282 <LIABILITIES-OTHER> 6,694 <LONG-TERM> 12,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 5,750 <COMMON> 19,640 <OTHER-SE> 6,845<F2> <TOTAL-LIABILITIES-AND-EQUITY> 448,881 <INTEREST-LOAN> 24,922 <INTEREST-INVEST> 2,601 <INTEREST-OTHER> 902 <INTEREST-TOTAL> 28,425 <INTEREST-DEPOSIT> 11,849 <INTEREST-EXPENSE> 12,866 <INTEREST-INCOME-NET> 15,559 <LOAN-LOSSES> 1,635 <SECURITIES-GAINS> 23 <EXPENSE-OTHER> 17,307 <INCOME-PRETAX> 2,389 <INCOME-PRE-EXTRAORDINARY> 2,053 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,053 <EPS-PRIMARY> .71 <EPS-DILUTED> .70 <YIELD-ACTUAL> 5.19 <LOANS-NON> 10,275 <LOANS-PAST> 174 <LOANS-TROUBLED> 1,112 <LOANS-PROBLEM> 1,940 <ALLOWANCE-OPEN> 7,040 <CHARGE-OFFS> 1,027 <RECOVERIES> 341 <ALLOWANCE-CLOSE> 7,989 <ALLOWANCE-DOMESTIC> 6,675 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,314 <FN> <F1>EXCLUDES MORTGAGE LOANS HELD FOR SALE $14,746. <F2>INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES AVAILABLE FOR SALE OF (241). </FN>