<TABLE> <S> <C>

     <ARTICLE>                                                      9
     <MULTIPLIER>                                                1,000
            
     <S>                                                     <C>
     <PERIOD-TYPE>                               9-MOS
     <FISCAL-YEAR-END>                                       DEC-31-1997
     <PERIOD-END>                                            SEP-30-1997
     <CASH>                                                      22,261
     <INT-BEARING-DEPOSITS>                                           0
     <FED-FUNDS-SOLD>                                            14,530
     <TRADING-ASSETS>                                                 0
     <INVESTMENTS-HELD-FOR-SALE>                                130,592
     <INVESTMENTS-CARRYING>                                     110,899
     <INVESTMENTS-MARKET>                                       115,920
     <LOANS>                                                    331,813
     <ALLOWANCE>                                                      0
     <TOTAL-ASSETS>                                             632,078
     <DEPOSITS>                                                 554,841
     <SHORT-TERM>                                                10,280
     <LIABILITIES-OTHER>                                          6,707
     <LONG-TERM>                                                  7,013
     <PREFERRED-MANDATORY>                                            0
     <PREFERRED>                                                      0
     <COMMON>                                                     9,688
     <OTHER-SE>                                                  43,549
     <TOTAL-LIABILITIES-AND-EQUITY>                             632,078
     <INTEREST-LOAN>                                             22,966
     <INTEREST-INVEST>                                           12,756
     <INTEREST-OTHER>                                               346
     <INTEREST-TOTAL>                                            36,068
     <INTEREST-DEPOSIT>                                          15,756
     <INTEREST-EXPENSE>                                          16,628
     <INTEREST-INCOME-NET>                                       19,440
     <LOAN-LOSSES>                                                  125
     <SECURITIES-GAINS>                                             324
     <EXPENSE-OTHER>                                             13,575
     <INCOME-PRETAX>                                              8,297
     <INCOME-PRE-EXTRAORDINARY>                                   8,297
     <EXTRAORDINARY>                                                  0
     <CHANGES>                                                        0
     <NET-INCOME>                                                 5,812
     <EPS-PRIMARY>                                                 1.50
     <EPS-DILUTED>                                                    0
     <YIELD-ACTUAL>                                                   0
     <LOANS-NON>                                                      0
     <LOANS-PAST>                                                     0
     <LOANS-TROUBLED>                                                 0
     <LOANS-PROBLEM>                                                  0
     <ALLOWANCE-OPEN>                                                 0
     <CHARGE-OFFS>                                                    0
     <RECOVERIES>                                                     0
     <ALLOWANCE-CLOSE>                                                0
     <ALLOWANCE-DOMESTIC>                                             0
     <ALLOWANCE-FOREIGN>                                              0
     <ALLOWANCE-UNALLOCATED>                                          0
        
     


</TABLE>