<TABLE> <S> <C>


<ARTICLE>                                            9
       
<S>                             <C>                                     
<PERIOD-TYPE>                   9-MOS                                   
<FISCAL-YEAR-END>                              DEC-31-1997              
<PERIOD-END>                                   SEP-30-1997
<CASH>                                         38,836                   
<INT-BEARING-DEPOSITS>                         989                      
<FED-FUNDS-SOLD>                               9,930                    
<TRADING-ASSETS>                               0                        
<INVESTMENTS-HELD-FOR-SALE>                    207,924                  
<INVESTMENTS-CARRYING>                         100,196                  
<INVESTMENTS-MARKET>                           101,654                  
<LOANS>                                        788,952                  
<ALLOWANCE>                                    11,693                   
<TOTAL-ASSETS>                                 1,206,036                
<DEPOSITS>                                     1,026,754                
<SHORT-TERM>                                   37,935                   
<LIABILITIES-OTHER>                            12,501                   
<LONG-TERM>                                    34,950                   
<PREFERRED-MANDATORY>                          0                         
<PREFERRED>                                    0           
<COMMON>                                       60,172
<OTHER-SE>                                     33,723
<TOTAL-LIABILITIES-AND-EQUITY>                 1,206,036
<INTEREST-LOAN>                                49,990
<INTEREST-INVEST>                              10,774
<INTEREST-OTHER>                               720
<INTEREST-TOTAL>                               61,484
<INTEREST-DEPOSIT>                             25,783
<INTEREST-EXPENSE>                             28,145
<INTEREST-INCOME-NET>                          33,339
<LOAN-LOSSES>                                  2,370
<SECURITIES-GAINS>                             34
<EXPENSE-OTHER>                                21,913
<INCOME-PRETAX>                                17,558
<INCOME-PRE-EXTRAORDINARY>                     17,558
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   11,167
<EPS-PRIMARY>                                  1.03
<EPS-DILUTED>                                  1.02
<YIELD-ACTUAL>                                 4.67
<LOANS-NON>                                    1,939
<LOANS-PAST>                                   3,780
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               9,715
<CHARGE-OFFS>                                  2,172
<RECOVERIES>                                   860
<ALLOWANCE-CLOSE>                              11,693
<ALLOWANCE-DOMESTIC>                           11,693
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0 
        


</TABLE>