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

<TABLE> <S> <C>

      EXHIBIT 27 - FINANCIAL DATA SCHEDULE

     <ARTICLE>                                             9
     <PERIOD-TYPE>                                     9-MOS
     <FISCAL-YEAR-END>                           DEC-31-1997
     <PERIOD-END>                                SEP-30-1997
     <CASH>                                           23,536
     <INT-BEARING-DEPOSITS>                              138
     <FED-FUNDS-SOLD>                                  8,700
     <TRADING-ASSETS>                                      0
     <INVESTMENTS-HELD-FOR-SALE>                     233,323
     <INVESTMENTS-CARRYING>                           39,300
     <INVESTMENTS-MARKET>                             40,323
     <LOANS>                                         663,969
     <ALLOWANCE>                                      12,763
     <TOTAL-ASSETS>                                  992,634
     <DEPOSITS>                                      854,909
     <SHORT-TERM>                                      6,960
     <LIABILITIES-OTHER>                              17,683
     <LONG-TERM>                                      25,778
     <COMMON>                                         32,113
     <PREFERRED-MANDATORY>                                 0
     <PREFERRED>                                           0
     <OTHER-SE>                                       55,191
     <TOTAL-LIABILITIES-AND-EQUITY>                  992,634
     <INTEREST-LOAN>                                  43,872
     <INTEREST-INVEST>                                11,915
     <INTEREST-OTHER>                                  1,078
     <INTEREST-TOTAL>                                 56,865
     <INTEREST-DEPOSIT>                               23,786
     <INTEREST-EXPENSE>                               25,210
     <INTEREST-INCOME-NET>                            31,655 
     <LOAN-LOSSES>                                     1,260
     <SECURITIES-GAINS>                                    9 
     <EXPENSE-OTHER>                                  23,235
     <INCOME-PRETAX>                                  12,309
     <INCOME-PRE-EXTRAORDINARY>                       12,309
     <EXTRAORDINARY>                                       0
     <CHANGES>                                             0
     <NET-INCOME>                                      8,239
     <EPS-PRIMARY>                                       .90
     <EPS-DILUTED>                                       .89
     <YIELD-ACTUAL>                                     4.67
     <LOANS-NON>                                       5,009
     <LOANS-PAST>                                        793
     <LOANS-TROUBLED>                                    129
     <LOANS-PROBLEM>                                       0
     <ALLOWANCE-OPEN>                                 12,393
     <CHARGE-OFFS>                                     1,579
     <RECOVERIES>                                        689
     <ALLOWANCE-CLOSE>                                12,763
     <ALLOWANCE-DOMESTIC>                                  0
     <ALLOWANCE-FOREIGN>                                   0
     <ALLOWANCE-UNALLOCATED>                          12,763
     
</TABLE>