<ARTICLE>                                            9

       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              Dec-31-1999       
<PERIOD-START>                                 Jan-01-1999
<PERIOD-END>                                   Mar-31-1999
<CASH>                                            36,442
<INT-BEARING-DEPOSITS>                                 0
<FED-FUNDS-SOLD>                                   1,000
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<INVESTMENTS-CARRYING>                            20,756
<INVESTMENTS-MARKET>                              21,311
<LOANS>                                          724,599
<ALLOWANCE>                                        6,576
<TOTAL-ASSETS>                                 1,069,448
<DEPOSITS>                                       939,405
<SHORT-TERM>                                      23,447
<LIABILITIES-OTHER>                                5,827
<LONG-TERM>                                       24,970
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                             518
<OTHER-SE>                                        75,281
<TOTAL-LIABILITIES-AND-EQUITY>                 1,069,448
<INTEREST-LOAN>                                   13,867
<INTEREST-INVEST>                                  3,898
<INTEREST-OTHER>                                     258
<INTEREST-TOTAL>                                  18,023
<INTEREST-DEPOSIT>                                 6,746
<INTEREST-EXPENSE>                                 7,373
<INTEREST-INCOME-NET>                             10,650
<LOAN-LOSSES>                                        360
<SECURITIES-GAINS>                                   227
<EXPENSE-OTHER>                                    9,225
<INCOME-PRETAX>                                    4,419
<INCOME-PRE-EXTRAORDINARY>                         1,708
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       2,711
<EPS-PRIMARY>                                       0.55
<EPS-DILUTED>                                       0.55
<YIELD-ACTUAL>                                      4.38
<LOANS-NON>                                        2,166
<LOANS-PAST>                                          83
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                   6,343
<CHARGE-OFFS>                                        215
<RECOVERIES>                                          88
<ALLOWANCE-CLOSE>                                  6,576
<ALLOWANCE-DOMESTIC>                               6,576
<ALLOWANCE-FOREIGN>                                    0
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