<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 13388 <INT-BEARING-DEPOSITS> 106 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 151283 <INVESTMENTS-CARRYING> 2659 <INVESTMENTS-MARKET> 2700 <LOANS> 331625 <ALLOWANCE> 2760 <TOTAL-ASSETS> 525237 <DEPOSITS> 425653 <SHORT-TERM> 24383 <LIABILITIES-OTHER> 3853 <LONG-TERM> 19825 <PREFERRED-MANDATORY> 0 <PREFERRED> 3070 <COMMON> 8138 <OTHER-SE> 41315 <TOTAL-LIABILITIES-AND-EQUITY> 525237 <INTEREST-LOAN> 6869 <INTEREST-INVEST> 2054 <INTEREST-OTHER> 57 <INTEREST-TOTAL> 8980 <INTEREST-DEPOSIT> 3700 <INTEREST-EXPENSE> 531 <INTEREST-INCOME-NET> 4749 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4368 <INCOME-PRETAX> 1999 <INCOME-PRE-EXTRAORDINARY> 1999 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1356 <EPS-PRIMARY> .64 <EPS-DILUTED> .60 <YIELD-ACTUAL> 3.98 <LOANS-NON> 1847 <LOANS-PAST> 1062 <LOANS-TROUBLED> 87 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2715 <CHARGE-OFFS> 116 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 2760 <ALLOWANCE-DOMESTIC> 2760 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 806