<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JUL-01-1997             JAN-01-1997
<PERIOD-END>                               SEP-30-1997             SEP-30-1997
<CASH>                                          28,040                  28,040
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 8,200                   8,200
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    335,952                 335,952
<INVESTMENTS-CARRYING>                          55,887                  55,887
<INVESTMENTS-MARKET>                            56,901                  56,901
<LOANS>                                        442,269                 442,269
<ALLOWANCE>                                      5,699                   5,699
<TOTAL-ASSETS>                                 969,578                 969,578
<DEPOSITS>                                     760,327                 760,327
<SHORT-TERM>                                   130,003                 130,003
<LIABILITIES-OTHER>                              7,876                   7,876
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         5,698                   5,698
<OTHER-SE>                                      64,956                  64,956
<TOTAL-LIABILITIES-AND-EQUITY>                 969,578                 969,578
<INTEREST-LOAN>                                 10,347                  28,987
<INTEREST-INVEST>                                5,983                  17,629
<INTEREST-OTHER>                                   321                     638
<INTEREST-TOTAL>                                16,651                  47,254
<INTEREST-DEPOSIT>                               7,384                  20,972
<INTEREST-EXPENSE>                               8,563                  23,950
<INTEREST-INCOME-NET>                            8,088                  23,304
<LOAN-LOSSES>                                       11                      23
<SECURITIES-GAINS>                                   0                      40
<EXPENSE-OTHER>                                 10,013                  26,967
<INCOME-PRETAX>                                  3,118                   8,689
<INCOME-PRE-EXTRAORDINARY>                       3,118                   8,689
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,112                   5,934
<EPS-PRIMARY>                                     0.40                    1.13
<EPS-DILUTED>                                     0.40                    1.13
<YIELD-ACTUAL>                                    7.49                    7.69
<LOANS-NON>                                      1,062                   1,062
<LOANS-PAST>                                     2,013                   2,013
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 5,569                   5,569
<CHARGE-OFFS>                                      123                     123
<RECOVERIES>                                       140                     140
<ALLOWANCE-CLOSE>                                5,699                   5,699
<ALLOWANCE-DOMESTIC>                             5,699                   5,699
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>