<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