<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> 32,782 <INT-BEARING-DEPOSITS> 1,183 <FED-FUNDS-SOLD> 11,132 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 380,767 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 900,165 <ALLOWANCE> 9,556 <TOTAL-ASSETS> 1,365,570 <DEPOSITS> 1,040,306 <SHORT-TERM> 0 <LIABILITIES-OTHER> 169,533 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,498 <OTHER-SE> 154,233 <TOTAL-LIABILITIES-AND-EQUITY> 1,365,570 <INTEREST-LOAN> 18,633 <INTEREST-INVEST> 4,805 <INTEREST-OTHER> 332 <INTEREST-TOTAL> 23,770 <INTEREST-DEPOSIT> 9,341 <INTEREST-EXPENSE> 10,931 <INTEREST-INCOME-NET> 12,839 <LOAN-LOSSES> 505 <SECURITIES-GAINS> 15 <EXPENSE-OTHER> 8,690 <INCOME-PRETAX> 7,072 <INCOME-PRE-EXTRAORDINARY> 4,643 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,643 <EPS-BASIC> 0.39 <EPS-DILUTED> 0.38 <YIELD-ACTUAL> 4.30 <LOANS-NON> 1014 <LOANS-PAST> 3,463 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,209 <CHARGE-OFFS> 321 <RECOVERIES> 163 <ALLOWANCE-CLOSE> 9,556 <ALLOWANCE-DOMESTIC> 9,556 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0