<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>                                           9,045
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,619
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    163,977
<INVESTMENTS-CARRYING>                          21,301
<INVESTMENTS-MARKET>                            21,670
<LOANS>                                        247,807
<ALLOWANCE>                                      2,842
<TOTAL-ASSETS>                                 468,452
<DEPOSITS>                                     253,987
<SHORT-TERM>                                   135,488
<LIABILITIES-OTHER>                              6,430
<LONG-TERM>                                     30,341
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           978
<OTHER-SE>                                      41,228
<TOTAL-LIABILITIES-AND-EQUITY>                 468,452
<INTEREST-LOAN>                                 17,410
<INTEREST-INVEST>                                4,921
<INTEREST-OTHER>                                   369
<INTEREST-TOTAL>                                22,700
<INTEREST-DEPOSIT>                               8,378
<INTEREST-EXPENSE>                              11,975
<INTEREST-INCOME-NET>                           10,725
<LOAN-LOSSES>                                      949
<SECURITIES-GAINS>                               1,172
<EXPENSE-OTHER>                                  7,307
<INCOME-PRETAX>                                  5,257
<INCOME-PRE-EXTRAORDINARY>                       5,257
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,655
<EPS-PRIMARY>                                      .87
<EPS-DILUTED>                                      .87
<YIELD-ACTUAL>                                    4.32<F1>
<LOANS-NON>                                        472
<LOANS-PAST>                                     1,171
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,523
<CHARGE-OFFS>                                      795
<RECOVERIES>                                       165
<ALLOWANCE-CLOSE>                                2,842
<ALLOWANCE-DOMESTIC>                             2,842
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN> Computed on a Tax-Equivalent basis.
</FN>