WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>


                                                     EXHIBIT 27

This schedule contains summary financial information extracted from the
registrant's Annual Report to Shareholders for the year ended December 31,
1997.


------------------------------------------------------
<S>                                        <C>
                                           YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          30,116
<INT-BEARING-DEPOSITS>                           9,073
<FED-FUNDS-SOLD>                                 1,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    136,065
<INVESTMENTS-CARRYING>                          94,940
<INVESTMENTS-MARKET>                            96,650
<LOANS>                                        724,134
<ALLOWANCE>                                      9,530
<TOTAL-ASSETS>                               1,044,388
<DEPOSITS>                                     821,967
<SHORT-TERM>                                    86,156
<LIABILITIES-OTHER>                             11,137
<LONG-TERM>                                     23,454
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,022
<OTHER-SE>                                      71,652
<TOTAL-LIABILITIES-AND-EQUITY>               1,044,388
<INTEREST-LOAN>                                 60,782
<INTEREST-INVEST>                               14,413
<INTEREST-OTHER>                                   332
<INTEREST-TOTAL>                                75,527
<INTEREST-DEPOSIT>                              28,025
<INTEREST-EXPENSE>                              34,180
<INTEREST-INCOME-NET>                           41,347
<LOAN-LOSSES>                                    1,800
<SECURITIES-GAINS>                                 -11
<EXPENSE-OTHER>                                 35,697
<INCOME-PRETAX>                                 17,280
<INCOME-PRE-EXTRAORDINARY>                      17,280
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,159
<EPS-PRIMARY>                                     2.03
<EPS-DILUTED>                                     2.01
<YIELD-ACTUAL>                                    8.21
<LOANS-NON>                                      5,396
<LOANS-PAST>                                       538
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 11,200
<ALLOWANCE-OPEN>                                 9,639
<CHARGE-OFFS>                                    4,740
<RECOVERIES>                                     2,831
<ALLOWANCE-CLOSE>                                9,530
<ALLOWANCE-DOMESTIC>                             8,672
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            858


</TABLE>