<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                              9-MOS
<FISCAL-YEAR-END>                                                    DEC-31-1997
<PERIOD-START>                                                       JAN-01-1997
<PERIOD-END>                                                         SEP-30-1997
<CASH>                                                                     2,161
<INT-BEARING-DEPOSITS>                                                    12,958
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               35,055
<INVESTMENTS-CARRYING>                                                    14,261
<INVESTMENTS-MARKET>                                                      14,261
<LOANS>                                                                  441,547
<ALLOWANCE>                                                                1,633
<TOTAL-ASSETS>                                                           528,704
<DEPOSITS>                                                               422,826
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        3,926
<LONG-TERM>                                                               33,077
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                     559
<OTHER-SE>                                                                68,316
<TOTAL-LIABILITIES-AND-EQUITY>                                           528,704
<INTEREST-LOAN>                                                           24,765
<INTEREST-INVEST>                                                          2,919
<INTEREST-OTHER>                                                             765
<INTEREST-TOTAL>                                                          28,449
<INTEREST-DEPOSIT>                                                        15,601
<INTEREST-EXPENSE>                                                        16,707
<INTEREST-INCOME-NET>                                                     11,742
<LOAN-LOSSES>                                                                 75
<SECURITIES-GAINS>                                                           136
<EXPENSE-OTHER>                                                            7,009
<INCOME-PRETAX>                                                            5,637
<INCOME-PRE-EXTRAORDINARY>                                                 3,645
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               3,645
<EPS-PRIMARY>                                                                .67
<EPS-DILUTED>                                                                .66
<YIELD-ACTUAL>                                                              3.14
<LOANS-NON>                                                                1,300
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                           1,558
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                          1,633
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,633
        


</TABLE>