<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED MARCH 31, 1999 AS PRESENTED IN ITS FIRST QUARTER 1999 FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          24,472
<INT-BEARING-DEPOSITS>                           1,163
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    231,913
<INVESTMENTS-CARRYING>                           6,714
<INVESTMENTS-MARKET>                             6,714
<LOANS>                                        341,906
<ALLOWANCE>                                      4,552
<TOTAL-ASSETS>                                 630,160
<DEPOSITS>                                     482,756
<SHORT-TERM>                                    51,018
<LIABILITIES-OTHER>                             10,317
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            43
<OTHER-SE>                                      66,026
<TOTAL-LIABILITIES-AND-EQUITY>                 630,160
<INTEREST-LOAN>                                  6,897
<INTEREST-INVEST>                                3,427
<INTEREST-OTHER>                                   230
<INTEREST-TOTAL>                                10,555
<INTEREST-DEPOSIT>                               3,608
<INTEREST-EXPENSE>                               4,492
<INTEREST-INCOME-NET>                            6,063
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,311
<INCOME-PRETAX>                                  2,657
<INCOME-PRE-EXTRAORDINARY>                       1,840
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,840
<EPS-PRIMARY>                                      .45
<EPS-DILUTED>                                      .45
<YIELD-ACTUAL>                                    4.26
<LOANS-NON>                                      4,525
<LOANS-PAST>                                       117
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,509
<CHARGE-OFFS>                                      206
<RECOVERIES>                                        49
<ALLOWANCE-CLOSE>                                4,552
<ALLOWANCE-DOMESTIC>                             3,138
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,415