<ARTICLE> 9 <LEGEND> This schedule contains financial information extracted from the first quarter 10-Q and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 34,005 <INT-BEARING-DEPOSITS> 58 <FED-FUNDS-SOLD> 1,064 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 307,098 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 569,841 <ALLOWANCE> 5,715 <TOTAL-ASSETS> 960,121 <DEPOSITS> 727,427 <SHORT-TERM> 128,510 <LIABILITIES-OTHER> 8,040 <LONG-TERM> 40,735 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,453 <OTHER-SE> 53,956 <TOTAL-LIABILITIES-AND-EQUITY> 960,121 <INTEREST-LOAN> 11,609 <INTEREST-INVEST> 4,670 <INTEREST-OTHER> 137 <INTEREST-TOTAL> 16,416 <INTEREST-DEPOSIT> 6,729 <INTEREST-EXPENSE> 8,970 <INTEREST-INCOME-NET> 7,446 <LOAN-LOSSES> 225 <SECURITIES-GAINS> 451 <EXPENSE-OTHER> 7,141 <INCOME-PRETAX> 3,104 <INCOME-PRE-EXTRAORDINARY> 2,070 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,070 <EPS-PRIMARY> .36 <EPS-DILUTED> .36 <YIELD-ACTUAL> 3.43 <LOANS-NON> 37 <LOANS-PAST> 156 <LOANS-TROUBLED> 1,256 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,510 <CHARGE-OFFS> 49 <RECOVERIES> 29 <ALLOWANCE-CLOSE> 5,715 <ALLOWANCE-DOMESTIC> 3,048 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,667