<ARTICLE>       9
<LEGEND>
This schedule contains summary financial information extracted from the 
Consolidated Balance Sheet and the Consolidated Statement of Income filed as 
part of the quarterly report on Form 10-Q and is qualified in its entirety by 
reference to such quarterly report on Form 10-Q.
</LEGEND>
<MULTIPLIER>    1,000
       

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>               DEC-31-1999
<PERIOD-END>                    MAR-31-1999
<CASH>                               34,545
<INT-BEARING-DEPOSITS>                4,463
<FED-FUNDS-SOLD>                          0
<TRADING-ASSETS>                          0
<INVESTMENTS-HELD-FOR-SALE>           5,934
<INVESTMENTS-CARRYING>               44,084
<INVESTMENTS-MARKET>                 44,147
<LOANS>                             719,517
<ALLOWANCE>                          17,199
<TOTAL-ASSETS>                      844,296
<DEPOSITS>                          627,607
<SHORT-TERM>                         37,219
<LIABILITIES-OTHER>                   9,789
<LONG-TERM>                         103,068
<PREFERRED-MANDATORY>                     0
<PREFERRED>                               0
<COMMON>                                123
<OTHER-SE>                           66,490
<TOTAL-LIABILITIES-AND-EQUITY>      844,296
<INTEREST-LOAN>                      15,018
<INTEREST-INVEST>                       894
<INTEREST-OTHER>                         13
<INTEREST-TOTAL>                     15,924
<INTEREST-DEPOSIT>                    6,025
<INTEREST-EXPENSE>                    8,183
<INTEREST-INCOME-NET>                 7,741
<LOAN-LOSSES>                           576
<SECURITIES-GAINS>                      220
<EXPENSE-OTHER>                       6,011
<INCOME-PRETAX>                       5,069
<INCOME-PRE-EXTRAORDINARY>            3,447
<EXTRAORDINARY>                           0
<CHANGES>                                 0
<NET-INCOME>                          3,447
<EPS-PRIMARY>                           .44
<EPS-DILUTED>                           .44
<YIELD-ACTUAL>                         3.95
<LOANS-NON>                           6,590
<LOANS-PAST>                          2,706
<LOANS-TROUBLED>                          0
<LOANS-PROBLEM>                      10,126
<ALLOWANCE-OPEN>                     16,928
<CHARGE-OFFS>                           977
<RECOVERIES>                          1,248
<ALLOWANCE-CLOSE>                    17,199
<ALLOWANCE-DOMESTIC>                 17,199
<ALLOWANCE-FOREIGN>                       0
<ALLOWANCE-UNALLOCATED>                   0