<TABLE> <S> <C>

<ARTICLE>                            9
<MULTIPLIER>                         1000

<S>                                                <C>
<PERIOD-TYPE>                                      9-mos
<FISCAL-YEAR-END>                                  Dec-31-1997
<PERIOD-END>                                       Sep-30-1997
<CASH>                                                       52904
<INT-BEARING-DEPOSITS>                                        1360
<FED-FUNDS-SOLD>                                            108775
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 171272
<INVESTMENTS-CARRYING>                                         683
<INVESTMENTS-MARKET>                                           698
<LOANS>                                                     869898
<ALLOWANCE>                                                  13032
<TOTAL-ASSETS>                                             1240971
<DEPOSITS>                                                  919317
<SHORT-TERM>                                                 75000
<LIABILITIES-OTHER>                                          19556
<LONG-TERM>                                                  57300
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                      4995
<OTHER-SE>                                                   94652
<TOTAL-LIABILITIES-AND-EQUITY>                             1240971
<INTEREST-LOAN>                                              58755
<INTEREST-INVEST>                                             8107
<INTEREST-OTHER>                                              2620
<INTEREST-TOTAL>                                             69482
<INTEREST-DEPOSIT>                                           22823
<INTEREST-EXPENSE>                                           33113
<INTEREST-INCOME-NET>                                        36369
<LOAN-LOSSES>                                                 2640
<SECURITIES-GAINS>                                             330
<EXPENSE-OTHER>                                              27350
<INCOME-PRETAX>                                              13218
<INCOME-PRE-EXTRAORDINARY>                                    8934
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  8934
<EPS-PRIMARY>                                                 1.80
<EPS-DILUTED>                                                 1.68
<YIELD-ACTUAL>                                                4.54
<LOANS-NON>                                                   9461
<LOANS-PAST>                                                  5137
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             13734
<CHARGE-OFFS>                                                 4478
<RECOVERIES>                                                  1136
<ALLOWANCE-CLOSE>                                            13032
<ALLOWANCE-DOMESTIC>                                         13032
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>