<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 31,486 <INT-BEARING-DEPOSITS> 280 <FED-FUNDS-SOLD> 3,525 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 338,422 <INVESTMENTS-CARRYING> 19,007 <INVESTMENTS-MARKET> 19,259 <LOANS> 741,451 <ALLOWANCE> 7,711 <TOTAL-ASSETS> 1,176,832 <DEPOSITS> 880,433 <SHORT-TERM> 86,549 <LIABILITIES-OTHER> 9,007 <LONG-TERM> 68,202 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,260 <OTHER-SE> 131,381 <TOTAL-LIABILITIES-AND-EQUITY> 1,176,832 <INTEREST-LOAN> 15,475 <INTEREST-INVEST> 4,491 <INTEREST-OTHER> 192 <INTEREST-TOTAL> 20,158 <INTEREST-DEPOSIT> 7,805 <INTEREST-EXPENSE> 9,334 <INTEREST-INCOME-NET> 10,824 <LOAN-LOSSES> 435 <SECURITIES-GAINS> 10 <EXPENSE-OTHER> 7,499 <INCOME-PRETAX> 5,964 <INCOME-PRE-EXTRAORDINARY> 3,934 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,934 <EPS-PRIMARY> .39 <EPS-DILUTED> .39 <YIELD-ACTUAL> 4.27 <LOANS-NON> 726 <LOANS-PAST> 3,342 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7,412 <CHARGE-OFFS> 291 <RECOVERIES> 155 <ALLOWANCE-CLOSE> 7,711 <ALLOWANCE-DOMESTIC> 7,711 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0