<TABLE> <S> <C>


<ARTICLE>                                         9
                     
                        
<MULTIPLIER>                                   1000
       
<S>                                         <C>                <C>
<PERIOD-TYPE>                                 3-MOS              9-MOS
<FISCAL-YEAR-END>                           DEC-31-1997        DEC-31-1997
<PERIOD-START>                              JUL-01-1997        JAN-01-1997
<PERIOD-END>                                SEP-30-1997        SEP-30-1997
<CASH>                                         12,649            12,649
<INT-BEARING-DEPOSITS>                         37,405            37,405
<FED-FUNDS-SOLD>                                   0                  0 
<TRADING-ASSETS>                                   0                  0 
<INVESTMENTS-HELD-FOR-SALE>                    81,102            81,102
<INVESTMENTS-CARRYING>                         11,570            11,570
<INVESTMENTS-MARKET>                           11,595            11,595
<LOANS>                                       450,056           450,056
<ALLOWANCE>                                     4,494             4,494
<TOTAL-ASSETS>                                629,186           629,186
<DEPOSITS>                                    492,419           492,419
<SHORT-TERM>                                   27,889            27,889
<LIABILITIES-OTHER>                            17,976            17,976
<LONG-TERM>                                    25,000            25,000
<PREFERRED-MANDATORY>                               0                 0
<PREFERRED>                                    10,350            10,350
<COMMON>                                       39,006            39,006
<OTHER-SE>                                     16,546            16,546
<TOTAL-LIABILITIES-AND-EQUITY>                629,186           629,186
<INTEREST-LOAN>                                10,354            29,647         
<INTEREST-INVEST>                               1,747             5,330  
<INTEREST-OTHER>                                    0                 0   
<INTEREST-TOTAL>                               12,101            34,977
<INTEREST-DEPOSIT>                              4,372            12,599
<INTEREST-EXPENSE>                                575             1,656
<INTEREST-INCOME-NET>                           7,154            20,722
<LOAN-LOSSES>                                      25               850  
<SECURITIES-GAINS>                                264               412
<EXPENSE-OTHER>                                 6,006            21,151
<INCOME-PRETAX>                                 2,887             3,680
<INCOME-PRE-EXTRAORDINARY>                      2,887             3,680
<EXTRAORDINARY>                                     0                 0 
<CHANGES>                                           0                 0
<NET-INCOME>                                    1,882             2,318
<EPS-PRIMARY>                                    $.10              $.11
<EPS-DILUTED>                                    $.10              $.11
<YIELD-ACTUAL>                                   5.00              4.94
<LOANS-NON>                                     5,461             5,461 
<LOANS-PAST>                                        0                 0
<LOANS-TROUBLED>                                    0                 0
<LOANS-PROBLEM>                                     0                 0
<ALLOWANCE-OPEN>                                4,765             3,876  
<CHARGE-OFFS>                                     351               798
<RECOVERIES>                                       55               566
<ALLOWANCE-CLOSE>                               4,494             4,494
<ALLOWANCE-DOMESTIC>                            4,494             4,494
<ALLOWANCE-FOREIGN>                                 0                 0
<ALLOWANCE-UNALLOCATED>                           736               736
        


</TABLE>