<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 19,874 <INT-BEARING-DEPOSITS> 28 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 1,014 <INVESTMENTS-HELD-FOR-SALE> 82,707 <INVESTMENTS-CARRYING> 99,584 <INVESTMENTS-MARKET> 100,918 <LOANS> 410,787 <ALLOWANCE> 11,290 <TOTAL-ASSETS> 635,495 <DEPOSITS> 543,805 <SHORT-TERM> 16,304 <LIABILITIES-OTHER> 6,559 <LONG-TERM> 6,811 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 44 <OTHER-SE> 61,972 <TOTAL-LIABILITIES-AND-EQUITY> 635,495 <INTEREST-LOAN> 8,949 <INTEREST-INVEST> 2,697 <INTEREST-OTHER> 220 <INTEREST-TOTAL> 11,866 <INTEREST-DEPOSIT> 4,240 <INTEREST-EXPENSE> 278 <INTEREST-INCOME-NET> 7,348 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,741 <INCOME-PRETAX> 3,592 <INCOME-PRE-EXTRAORDINARY> 3,592 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,723 <EPS-PRIMARY> 0.62 <EPS-DILUTED> 0.62 <YIELD-ACTUAL> 5.05 <LOANS-NON> 2,433 <LOANS-PAST> 63 <LOANS-TROUBLED> 479 <LOANS-PROBLEM> 4,961 <ALLOWANCE-OPEN> 11,300 <CHARGE-OFFS> 198 <RECOVERIES> 188 <ALLOWANCE-CLOSE> 11,290 <ALLOWANCE-DOMESTIC> 11,290 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 3,634