<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