<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1997
<PERIOD-END>                               DEC-31-1996             DEC-31-1997
<CASH>                                           1,965                     640
<INT-BEARING-DEPOSITS>                           1,598                     321
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      7,472                   7,731
<INVESTMENTS-CARRYING>                          25,908                  31,906
<INVESTMENTS-MARKET>                            25,880                  32,002
<LOANS>                                        559,464<F1>                 598,925
<ALLOWANCE>                                      2,937                   3,177
<TOTAL-ASSETS>                                 615,503                 667,696
<DEPOSITS>                                     458,323                 481,788
<SHORT-TERM>                                    17,622                  27,302
<LIABILITIES-OTHER>                              4,237                   4,953
<LONG-TERM>                                     59,650                  75,975
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         4,568                   9,136
<OTHER-SE>                                      65,656                  64,681
<TOTAL-LIABILITIES-AND-EQUITY>                 615,503                 667,696
<INTEREST-LOAN>                                 39,556                  43,972
<INTEREST-INVEST>                                2,320                   2,624
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                41,876                  46,596
<INTEREST-DEPOSIT>                              20,244                  21,437
<INTEREST-EXPENSE>                              23,203                  26,491
<INTEREST-INCOME-NET>                           18,673                  20,105
<LOAN-LOSSES>                                      370                     320
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 15,939                  13,374
<INCOME-PRETAX>                                  5,050                   9,687
<INCOME-PRE-EXTRAORDINARY>                       5,050                   9,687
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,283                   6,036
<EPS-PRIMARY>                                      .37<F1><F2>                     .68
<EPS-DILUTED>                                      .36<F1><F2>                     .66
<YIELD-ACTUAL>                                    3.31                    3.26
<LOANS-NON>                                        744                     440
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,608                   2,937
<CHARGE-OFFS>                                       66                     101
<RECOVERIES>                                        25                      21
<ALLOWANCE-CLOSE>                                2,937                   3,177
<ALLOWANCE-DOMESTIC>                             2,937                   3,177
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
<FN>
<F1>See financial statements and notes thereto in Form 10-K.
<F2>Restated due to the adoption of FAS 128 in fiscal year 1997.
</FN>
        

</TABLE>