<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 46,209 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 27,410 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 594,833 <INVESTMENTS-CARRYING> 587,256 <INVESTMENTS-MARKET> 594,833 <LOANS> 1,118,363 <ALLOWANCE> 17,390 <TOTAL-ASSETS> 1,834,034 <DEPOSITS> 1,240,280 <SHORT-TERM> 285,283 <LIABILITIES-OTHER> 19,225 <LONG-TERM> 111,966 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 903 <OTHER-SE> 176,377 <TOTAL-LIABILITIES-AND-EQUITY> 1,834,034 <INTEREST-LOAN> 23,434 <INTEREST-INVEST> 8,998 <INTEREST-OTHER> 334 <INTEREST-TOTAL> 32,766 <INTEREST-DEPOSIT> 11,431 <INTEREST-EXPENSE> 4,852 <INTEREST-INCOME-NET> 16,483 <LOAN-LOSSES> 1,482 <SECURITIES-GAINS> 24 <EXPENSE-OTHER> 10,885 <INCOME-PRETAX> 6,963 <INCOME-PRE-EXTRAORDINARY> 6,963 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,992 <EPS-PRIMARY> .71 <EPS-DILUTED> .71 <YIELD-ACTUAL> 4.08 <LOANS-NON> 4,153 <LOANS-PAST> 6,399 <LOANS-TROUBLED> 1,058 <LOANS-PROBLEM> 3,033 <ALLOWANCE-OPEN> 16,429 <CHARGE-OFFS> 801 <RECOVERIES> 280 <ALLOWANCE-CLOSE> 17,390 <ALLOWANCE-DOMESTIC> 17,390 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0