<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 40,038 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 133,115 <INVESTMENTS-CARRYING> 16,731 <INVESTMENTS-MARKET> 17,339 <LOANS> 485,827 <ALLOWANCE> 10,098 <TOTAL-ASSETS> 706,218 <DEPOSITS> 613,428 <SHORT-TERM> 9,788 <LIABILITIES-OTHER> 5,548 <LONG-TERM> 4,468 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,560 <OTHER-SE> 65,426 <TOTAL-LIABILITIES-AND-EQUITY> 706,218 <INTEREST-LOAN> 12,095 <INTEREST-INVEST> 2,245 <INTEREST-OTHER> 191 <INTEREST-TOTAL> 14,531 <INTEREST-DEPOSIT> 5,700 <INTEREST-EXPENSE> 5,911 <INTEREST-INCOME-NET> 8,620 <LOAN-LOSSES> 532 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,879 <INCOME-PRETAX> 3,200 <INCOME-PRE-EXTRAORDINARY> 3,200 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,134 <EPS-PRIMARY> .29 <EPS-DILUTED> .29 <YIELD-ACTUAL> 5.39 <LOANS-NON> 7,958 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 7,958 <ALLOWANCE-OPEN> 10,192 <CHARGE-OFFS> 935 <RECOVERIES> 309 <ALLOWANCE-CLOSE> 10,098 <ALLOWANCE-DOMESTIC> 10,098 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 10,098