<TABLE> <S> <C>


<ARTICLE>                     9



<MULTIPLIER>                       1,000
<S>                                <C>           <C>         <C>
<PERIOD-TYPE>                            3-mos         6-mos        9-mos
<FISCAL-YEAR-END>                  Dec-31-1997   Dec-31-1997  Dec-31-1997
<PERIOD-START>                     Jan-01-1997   Jan-01-1997  Jan-01-1997
<PERIOD-END>                       Mar-31-1997   Jun-30-1997  Sep-30-1997
<CASH>                                  28,911        27,415       30,209
<INT-BEARING-DEPOSITS>                       0           358            0
<FED-FUNDS-SOLD>                         6,475        13,960        3,500
<TRADING-ASSETS>                             0             0            0
<INVESTMENTS-HELD-FOR-SALE>                  0             0            0
<INVESTMENTS-CARRYING>                 111,725       109,386      103,278
<INVESTMENTS-MARKET>                   111,214       109,816      102,624
<LOANS>                                334,592       342,343      349,344
<ALLOWANCE>                              6,727         6,703        7,246
<TOTAL-ASSETS>                         509,623       521,277      518,175
<DEPOSITS>                             440,993       450,744      442,402
<SHORT-TERM>                             6,094         6,848        9,783
<LIABILITIES-OTHER>                      2,838         2,201        2,166
<LONG-TERM>                              9,932         9,912       11,893
<PREFERRED-MANDATORY>                        0             0            0
<PREFERRED>                                  0             0            0
<COMMON>                                   463           463          466
<OTHER-SE>                              49,303        51,109       51,465
<TOTAL-LIABILITIES-AND-EQUITY>         509,623       521,277      518,175
<INTEREST-LOAN>                          7,588        15,246       23,086
<INTEREST-INVEST>                        1,937         3,870        5,769
<INTEREST-OTHER>                            84           140          325
<INTEREST-TOTAL>                         9,609        19,353       29,180
<INTEREST-DEPOSIT>                       3,121         6,220        9,385
<INTEREST-EXPENSE>                       3,287         6,589       10,014
<INTEREST-INCOME-NET>                    6,322        12,764       19,166
<LOAN-LOSSES>                              273           558        1,033
<SECURITIES-GAINS>                          (2)          161          168
<EXPENSE-OTHER>                          4,597         9,306       15,111
<INCOME-PRETAX>                          2,406         4,816        5,791
<INCOME-PRE-EXTRAORDINARY>               2,406         4,816        5,791
<EXTRAORDINARY>                              0             0            0
<CHANGES>                                    0             0            0
<NET-INCOME>                             1,502         3,002        3,425
<EPS-PRIMARY>                             0.30          0.59         0.67
<EPS-DILUTED>                             0.30          0.59         0.67
<YIELD-ACTUAL>                            5.52          5.57         5.51
<LOANS-NON>                              6,456         5,112        5,064
<LOANS-PAST>                                10           509          585
<LOANS-TROUBLED>                             0             0            0
<LOANS-PROBLEM>                         20,580        18,612       19,385
<ALLOWANCE-OPEN>                         6,660         6,660        6,660
<CHARGE-OFFS>                              279           795          924
<RECOVERIES>                                73           280          477
<ALLOWANCE-CLOSE>                        6,727         6,703        7,246
<ALLOWANCE-DOMESTIC>                     6,727         6,703        7,246
<ALLOWANCE-FOREIGN>                          0             0            0
<ALLOWANCE-UNALLOCATED>                      0             0            0



</TABLE>