<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (a) ITEM 7 -
"FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA" AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH (b) FINANCIAL STATEMENTS INCLUDED IN THIS REPORT AND
INCORPORATED HEREIN BY REFERENCE.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JUL-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          43,009
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                64,332
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     57,594
<INVESTMENTS-CARRYING>                          48,155
<INVESTMENTS-MARKET>                            48,284
<LOANS>                                        245,250
<ALLOWANCE>                                      4,108
<TOTAL-ASSETS>                                 463,626
<DEPOSITS>                                     415,587
<SHORT-TERM>                                     2,500
<LIABILITIES-OTHER>                              3,979
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        31,208
<OTHER-SE>                                      10,220
<TOTAL-LIABILITIES-AND-EQUITY>                 463,626
<INTEREST-LOAN>                                  6,309
<INTEREST-INVEST>                                1,612
<INTEREST-OTHER>                                   816
<INTEREST-TOTAL>                                 8,737
<INTEREST-DEPOSIT>                               3,096
<INTEREST-EXPENSE>                               3,125
<INTEREST-INCOME-NET>                            5,612
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,200
<INCOME-PRETAX>                                  2,840
<INCOME-PRE-EXTRAORDINARY>                       2,840
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,685
<EPS-PRIMARY>                                     0.35
<EPS-DILUTED>                                     0.34
<YIELD-ACTUAL>                                     5.4
<LOANS-NON>                                        604
<LOANS-PAST>                                       132
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,203
<CHARGE-OFFS>                                      174
<RECOVERIES>                                        79
<ALLOWANCE-CLOSE>                                4,108
<ALLOWANCE-DOMESTIC>                             4,108
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>