<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>                                                        24,685
<INT-BEARING-DEPOSITS>                                             0
<FED-FUNDS-SOLD>                                                   0
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   59,353
<INVESTMENTS-CARRYING>                                        56,344
<INVESTMENTS-MARKET>                                          56,716
<LOANS>                                                      378,445
<ALLOWANCE>                                                    4,672
<TOTAL-ASSETS>                                               528,618
<DEPOSITS>                                                   454,013
<SHORT-TERM>                                                  12,638
<LIABILITIES-OTHER>                                            3,792
<LONG-TERM>                                                    9,906
<COMMON>                                                       4,794
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<OTHER-SE>                                                    43,475
<TOTAL-LIABILITIES-AND-EQUITY>                               528,618
<INTEREST-LOAN>                                               24,130
<INTEREST-INVEST>                                              5,289
<INTEREST-OTHER>                                                 268
<INTEREST-TOTAL>                                              29,687
<INTEREST-DEPOSIT>                                            10,483
<INTEREST-EXPENSE>                                               992
<INTEREST-INCOME-NET>                                         18,212
<LOAN-LOSSES>                                                  1,330
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                               12,095
<INCOME-PRETAX>                                                8,891
<INCOME-PRE-EXTRAORDINARY>                                     8,891
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   5,779
<EPS-PRIMARY>                                                      1.35
<EPS-DILUTED>                                                      1.35
<YIELD-ACTUAL>                                                     4.91
<LOANS-NON>                                                    1,573
<LOANS-PAST>                                                      79
<LOANS-TROUBLED>                                                 573
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               3,653
<CHARGE-OFFS>                                                    465
<RECOVERIES>                                                     154
<ALLOWANCE-CLOSE>                                              4,672
<ALLOWANCE-DOMESTIC>                                           4,672
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                        2,836
        

</TABLE>