<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-END>                               SEP-30-1997             JUN-30-1997             MAR-31-1997
<CASH>                                           5,857                   6,644                   5,613
<INT-BEARING-DEPOSITS>                               0                       0                       0
<FED-FUNDS-SOLD>                                 4,600                   3,600                   2,700
<TRADING-ASSETS>                                   196                     252                      70
<INVESTMENTS-HELD-FOR-SALE>                    100,058                 106,884                  98,934
<INVESTMENTS-CARRYING>                          44,180                  44,715                  48,176
<INVESTMENTS-MARKET>                            44,196                  44,442                  47,496
<LOANS>                                        264,023                 260,743                 252,049
<ALLOWANCE>                                    (6,253)                 (5,145)                 (4,968)
<TOTAL-ASSETS>                                 423,800                 428,362                 413,729
<DEPOSITS>                                     311,049                 311,824                 303,491
<SHORT-TERM>                                    44,580                  41,276                  40,256
<LIABILITIES-OTHER>                              3,123                   2,298                   2,423
<LONG-TERM>                                     19,490                  27,330                  23,620
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                         2,803                   2,793                   2,783
<OTHER-SE>                                      42,755                  41,093                  40,258
<TOTAL-LIABILITIES-AND-EQUITY>                 423,800                 428,362                 413,729
<INTEREST-LOAN>                                 16,594                  10,938                   5,368
<INTEREST-INVEST>                                6,897                   4,602                   2,234
<INTEREST-OTHER>                                   255                     179                     107
<INTEREST-TOTAL>                                23,746                  15,719                   7,709
<INTEREST-DEPOSIT>                               9,206                   6,098                   3,029
<INTEREST-EXPENSE>                              12,069                   8,017                   3,961
<INTEREST-INCOME-NET>                           11,677                   7,702                   3,748
<LOAN-LOSSES>                                      500                     350                     150
<SECURITIES-GAINS>                                 604                     336                     161
<EXPENSE-OTHER>                                  6,283                   4,101                   1,979
<INCOME-PRETAX>                                  6,490                   4,287                   2,103
<INCOME-PRE-EXTRAORDINARY>                       6,490                   4,287                   2,103
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     4,415                   2,908                   1,415
<EPS-PRIMARY>                                     0.87                    0.57                    0.28
<EPS-DILUTED>                                     0.80                    0.54                    0.26
<YIELD-ACTUAL>                                    7.70                    7.67                    7.58
<LOANS-NON>                                      3,277                   3,741                   3,439
<LOANS-PAST>                                       408                     408                       0
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                 11,036                  11,117                  11,000
<ALLOWANCE-OPEN>                                 4,875                   4,875                   4,875
<CHARGE-OFFS>                                      264                     188                      85
<RECOVERIES>                                       142                     108                      28
<ALLOWANCE-CLOSE>                                5,253                   5,145                   4,968
<ALLOWANCE-DOMESTIC>                             3,442                   3,371                   3,178
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                          1,811                   1,774                   1,790


</TABLE>