<TABLE> <S> <C>

<ARTICLE>           9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED  BALANCE SHEETS AND CONSOLIDATED  STATEMENTS OF OPERATIONS FOUND ON
PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE OF EACH PERIOD AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                                        <C>                   <C>                       <C>
<PERIOD-TYPE>                                    3-MOS                 6-MOS                     9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996           DEC-31-1996               DEC-31-1996
<PERIOD-START>                             JAN-01-1997           JAN-01-1997               JAN-01-1997
<PERIOD-END>                               MAR-31-1997           JUN-30-1997               SEP-30-1997
<CASH>                                          22,780                24,558                    31,171
<INT-BEARING-DEPOSITS>                             318               310,740                         5
<FED-FUNDS-SOLD>                                15,320                19,378                    31,641
<TRADING-ASSETS>                                     0                     0                         0
<INVESTMENTS-HELD-FOR-SALE>                     34,796                34,933                    34,012
<INVESTMENTS-CARRYING>                          14,986                15,018                    20,045
<INVESTMENTS-MARKET>                            15,209                19,133                    20,614
<LOANS>                                        335,083<F1>           322,291<F3>                 299,645<F5>
<ALLOWANCE>                                      7,085                 7,548                     7,989
<TOTAL-ASSETS>                                 460,990               441,568                   448,881
<DEPOSITS>                                     404,807               387,022                   392,670
<SHORT-TERM>                                     5,204                 4,830                     5,282
<LIABILITIES-OTHER>                              8,860                 6,440                     6,694
<LONG-TERM>                                     12,000                12,000                    12,000
<PREFERRED-MANDATORY>                                0                     0                         0
<PREFERRED>                                      5,750                 5,750                     5,750
<COMMON>                                        19,471                19,613                    19,640
<OTHER-SE>                                       4,898<F2>             5,913<F4>                  6,845<F6>
<TOTAL-LIABILITIES-AND-EQUITY>                 460,990               441,568                   448,881
<INTEREST-LOAN>                                  8,628                17,024                    24,922
<INTEREST-INVEST>                                  829                 1,687                     2,601
<INTEREST-OTHER>                                   281                   515                       902
<INTEREST-TOTAL>                                 9,738                19,226                    28,425
<INTEREST-DEPOSIT>                               4,288                 8,134                    11,849
<INTEREST-EXPENSE>                               4,649                 8,806                    12,866
<INTEREST-INCOME-NET>                            5,089                10,420                    15,559
<LOAN-LOSSES>                                      585                 1,170                     1,635
<SECURITIES-GAINS>                                   1                   (7)                        23
<EXPENSE-OTHER>                                  6,513                12,067                    17,307
<INCOME-PRETAX>                                  1,000                 2,527                     2,389
<INCOME-PRE-EXTRAORDINARY>                       1,000                 1,464                     2,053
<EXTRAORDINARY>                                      0                     0                         0
<CHANGES>                                            0                     0                         0
<NET-INCOME>                                       580                 1,464                     2,053
<EPS-PRIMARY>                                      .17                   .45                       .74
<EPS-DILUTED>                                      .16                   .43                       .70
<YIELD-ACTUAL>                                    4.85                  5.45                      5.19
<LOANS-NON>                                      9,670                 9,133                    10,275
<LOANS-PAST>                                       746                 1,288                       174
<LOANS-TROUBLED>                                 1,622                 1,117                     1,112
<LOANS-PROBLEM>                                  2,585                 3,600                     1,940
<ALLOWANCE-OPEN>                                 7,085                 7,040                     7,040
<CHARGE-OFFS>                                      575                   755                     1,027
<RECOVERIES>                                        35                    93                       341
<ALLOWANCE-CLOSE>                                7,085                 7,548                     7,989
<ALLOWANCE-DOMESTIC>                             6,403                 7,548                     6,675
<ALLOWANCE-FOREIGN>                                  0                     0                         0
<ALLOWANCE-UNALLOCATED>                            683                   911                     1,314
<FN>
<F1>EXCLUDES MORTGAGE LOANS HELD FOR SALE 19,064.
<F2>INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES AVAILABLE FOR SALE OF 602.
<F3>EXCLUDES MORTGAGE LOANS HELD FOR SALE $9,548.
<F4>INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES AVAILABLE FOR SALE OF 
    (360).
<F5>EXCLUDES MORTGAGE LOANS HELD FOR SALE $14,746.
<F6>INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES AVAILABLE FOR SALE OF (241).
</FN>
        

</TABLE>