<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 30,860 <INT-BEARING-DEPOSITS> 261 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 212,374 <INVESTMENTS-CARRYING> 36,846 <INVESTMENTS-MARKET> 36,851 <LOANS> 700,045 <ALLOWANCE> 6,785 <TOTAL-ASSETS> 1,007,711 <DEPOSITS> 789,366 <SHORT-TERM> 72,802 <LIABILITIES-OTHER> 7,129 <LONG-TERM> 18,700 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 832 <OTHER-SE> 118,882 <TOTAL-LIABILITIES-AND-EQUITY> 1,007,711 <INTEREST-LOAN> 44,091 <INTEREST-INVEST> 11,580 <INTEREST-OTHER> 235 <INTEREST-TOTAL> 55,906 <INTEREST-DEPOSIT> 23,487 <INTEREST-EXPENSE> 26,376 <INTEREST-INCOME-NET> 29,530 <LOAN-LOSSES> 952 <SECURITIES-GAINS> (3) <EXPENSE-OTHER> 19,104 <INCOME-PRETAX> 16,229 <INCOME-PRE-EXTRAORDINARY> 10,672 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,672 <EPS-PRIMARY> 1.61 <EPS-DILUTED> 1.61 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0