<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-END>                               SEP-30-1997             SEP-30-1997
<CASH>                                          19,747                  19,747
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                12,000                  12,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     31,802                  31,802
<INVESTMENTS-CARRYING>                          30,693                  30,693
<INVESTMENTS-MARKET>                            30,899                  30,899
<LOANS>                                        344,002                 344,002
<ALLOWANCE>                                      5,671                   5,671
<TOTAL-ASSETS>                                 460,718                 460,718
<DEPOSITS>                                     402,902                 402,902
<SHORT-TERM>                                     4,838                   4,838
<LIABILITIES-OTHER>                             15,425                  15,425
<LONG-TERM>                                      2,115                   2,115
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         5,476                   5,476
<OTHER-SE>                                      29,962                  29,962
<TOTAL-LIABILITIES-AND-EQUITY>                 460,718                 460,718
<INTEREST-LOAN>                                  7,788                  22,254
<INTEREST-INVEST>                                  971                   2,903
<INTEREST-OTHER>                                   291                     663
<INTEREST-TOTAL>                                 9,050                  25,820
<INTEREST-DEPOSIT>                               3,820                  10,572
<INTEREST-EXPENSE>                               4,068                  11,353
<INTEREST-INCOME-NET>                            4,982                  14,467
<LOAN-LOSSES>                                      225                     675
<SECURITIES-GAINS>                                   0                      80
<EXPENSE-OTHER>                                  4,174                  11,861
<INCOME-PRETAX>                                  2,468                   7,249
<INCOME-PRE-EXTRAORDINARY>                       2,468                   7,279
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,668                   4,872
<EPS-PRIMARY>                                      .49                    1.44
<EPS-DILUTED>                                      .49                    1.43
<YIELD-ACTUAL>                                    9.10                    8.84
<LOANS-NON>                                        439                     439
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  5,302                   5,302
<ALLOWANCE-OPEN>                                 5,575                   5,155
<CHARGE-OFFS>                                      147                     199
<RECOVERIES>                                        18                      40
<ALLOWANCE-CLOSE>                                5,671                   5,671
<ALLOWANCE-DOMESTIC>                             5,671                   5,671
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,100                   1,100
        

</TABLE>