<ARTICLE>                                            9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
consolidated  balance  sheet,  the  consolidated  statement  of income  and bank
records and is  qualified  in its  entirety by  reference to such report on Form
10-Q.

</LEGEND>
<MULTIPLIER>                                         1
<CURRENCY>                                  US Dollars
       
                                                              
<PERIOD-TYPE>                   3-MOS                      3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999               DEC-31-1998
<PERIOD-START>                             JAN-01-1999               JAN-01-1998
<PERIOD-END>                               MAR-31-1999               MAR-31-1998
<EXCHANGE-RATE>                                      1                         1
<CASH>                                          29,191                    21,354
<INT-BEARING-DEPOSITS>                               0                         0
<FED-FUNDS-SOLD>                                 1,200                    29,675
<TRADING-ASSETS>                                     0                         0
<INVESTMENTS-HELD-FOR-SALE>                    211,020                   134,364
<INVESTMENTS-CARRYING>                          11,733                    80,103
<INVESTMENTS-MARKET>                            11,804                    80,191
<LOANS>                                        896,291                   783,505
<ALLOWANCE>                                      7,962                     8,234
<TOTAL-ASSETS>                               1,204,523                 1,112,576
<DEPOSITS>                                     763,746                   728,069
<SHORT-TERM>                                   114,928                   110,477
<LIABILITIES-OTHER>                             19,004                    21,432
<LONG-TERM>                                    205,592                   179,164
<PREFERRED-MANDATORY>                                0                         0
<PREFERRED>                                          0                         0
<COMMON>                                         4,134                     3,615
<OTHER-SE>                                      97,119                    69,819
<TOTAL-LIABILITIES-AND-EQUITY>               1,204,523                 1,112,576
<INTEREST-LOAN>                                 20,511                    19,123
<INTEREST-INVEST>                                3,312                     3,416
<INTEREST-OTHER>                                    32                       246
<INTEREST-TOTAL>                                23,855                    22,785
<INTEREST-DEPOSIT>                               8,063                     8,532
<INTEREST-EXPENSE>                              11,712                    12,415
<INTEREST-INCOME-NET>                           12,143                    10,370
<LOAN-LOSSES>                                      854                       643
<SECURITIES-GAINS>                                 130                       324
<EXPENSE-OTHER>                                  1,236                     1,145
<INCOME-PRETAX>                                  5,068                     8,565
<INCOME-PRE-EXTRAORDINARY>                       3,364                     5,524
<EXTRAORDINARY>                                      0                         0
<CHANGES>                                            0                         0
<NET-INCOME>                                     3,364                     5,524
<EPS-PRIMARY>                                      .20                       .37
<EPS-DILUTED>                                      .19                       .35
<YIELD-ACTUAL>                                    4.20                      3.92
<LOANS-NON>                                      3,223                     2,537
<LOANS-PAST>                                     2,176                     5,084
<LOANS-TROUBLED>                                 1,107                     1,640
<LOANS-PROBLEM>                                      0                         0
<ALLOWANCE-OPEN>                                 7,862                     8,176
<CHARGE-OFFS>                                      894                       702
<RECOVERIES>                                       140                       117
<ALLOWANCE-CLOSE>                                7,962                     8,234
<ALLOWANCE-DOMESTIC>                             7,962                     8,234
<ALLOWANCE-FOREIGN>                                  0                         0
<ALLOWANCE-UNALLOCATED>                              0                         0