<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-Q filed as of March 31, 1999.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          31,180
<INT-BEARING-DEPOSITS>                           1,459
<FED-FUNDS-SOLD>                                38,789
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    223,118
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        574,560
<ALLOWANCE>                                      9,855
<TOTAL-ASSETS>                                 871,910
<DEPOSITS>                                     706,994
<SHORT-TERM>                                    31,296
<LIABILITIES-OTHER>                              6,353
<LONG-TERM>                                     40,507
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        50,814
<OTHER-SE>                                      35,946
<TOTAL-LIABILITIES-AND-EQUITY>                 871,910
<INTEREST-LOAN>                                 12,553
<INTEREST-INVEST>                                3,347
<INTEREST-OTHER>                                    84
<INTEREST-TOTAL>                                15,985
<INTEREST-DEPOSIT>                               6,446
<INTEREST-EXPENSE>                               7,242
<INTEREST-INCOME-NET>                            8,743
<LOAN-LOSSES>                                      537
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,236
<INCOME-PRETAX>                                  3,814
<INCOME-PRE-EXTRAORDINARY>                       2,630
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,630
<EPS-PRIMARY>                                     0.42
<EPS-DILUTED>                                     0.41
<YIELD-ACTUAL>                                    4.54
<LOANS-NON>                                        538
<LOANS-PAST>                                       589
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 9,509
<CHARGE-OFFS>                                      255
<RECOVERIES>                                        64
<ALLOWANCE-CLOSE>                                9,855
<ALLOWANCE-DOMESTIC>                             9,855
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,127