<TABLE> <S> <C>


<ARTICLE>                                            9

<S>                                   <C>            <C>            <C>
<PERIOD-TYPE>                              12-MOS    12-MOS         12-MOS
<FISCAL-YEAR-END>                     DEC-31-1995    DEC-31-1996    DEC-31-1997
<PERIOD-END>                          DEC-31-1995    DEC-31-1996    DEC-31-1997
<CASH>                                     34,327         48,126         49,982
<INT-BEARING-DEPOSITS>                      1,287            693            573
<FED-FUNDS-SOLD>                           38,226         14,910         26,405
<TRADING-ASSETS>                                0              0              0
<INVESTMENTS-HELD-FOR-SALE>               110,143        116,528        220,984
<INVESTMENTS-CARRYING>                     15,685          9,680          7,347
<INVESTMENTS-MARKET>                       15,875          9,741          7,347
<LOANS>                                   300,895        388,728        419,293
<ALLOWANCE>                                 3,710          3,672          4,266
<TOTAL-ASSETS>                            530,852        619,439        764,719
<DEPOSITS>                                465,508        547,182        683,398
<SHORT-TERM>                                    0              0              0
<LIABILITIES-OTHER>                         4,811          8,611          8,763
<LONG-TERM>                                     0              0              0
<PREFERRED-MANDATORY>                           0              0              0
<PREFERRED>                                     0              0              0
<COMMON>                                   42,566         49,388         58,434
<OTHER-SE>                                 17,967         14,258         14,124
<TOTAL-LIABILITIES-AND-EQUITY>            530,852        619,439        764,719
<INTEREST-LOAN>                            30,490         33,845         40,843
<INTEREST-INVEST>                           8,188         10,113         12,372
<INTEREST-OTHER>                                0              0              0
<INTEREST-TOTAL>                           38,678         43,958         53,215
<INTEREST-DEPOSIT>                         10,922         13,292         17,356
<INTEREST-EXPENSE>                         10,971         13,319         17,385
<INTEREST-INCOME-NET>                      27,707         30,639         35,830
<LOAN-LOSSES>                                 527            685          1,520
<SECURITIES-GAINS>                           (73)           (46)             11
<EXPENSE-OTHER>                            19,352         22,727         20,884
<INCOME-PRETAX>                            10,811         10,387         16,782
<INCOME-PRE-EXTRAORDINARY>                 10,811         10,387         16,782
<EXTRAORDINARY>                                 0              0              0
<CHANGES>                                       0              0              0
<NET-INCOME>                                6,611          6,039         10,147
<EPS-PRIMARY>                                1.55           1.41           2.36
<EPS-DILUTED>                                1.50           1.36           2.28
<YIELD-ACTUAL>                                8.8              0            8.6
<LOANS-NON>                                 2,481          1,564          2,150
<LOANS-PAST>                                  261             17             43
<LOANS-TROUBLED>                              513            279            174
<LOANS-PROBLEM>                                 0              0              0
<ALLOWANCE-OPEN>                            3,769          3,710          3,672
<CHARGE-OFFS>                                 850          1,070          1,143
<RECOVERIES>                                  264            347            217
<ALLOWANCE-CLOSE>                           3,710          3,672          4,266
<ALLOWANCE-DOMESTIC>                        3,710          3,672          4,266
<ALLOWANCE-FOREIGN>                             0              0              0
<ALLOWANCE-UNALLOCATED>                         0              0              0




</TABLE>