<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> 62,298 <INT-BEARING-DEPOSITS> 1,490 <FED-FUNDS-SOLD> 68,109 <TRADING-ASSETS> 14,863 <INVESTMENTS-HELD-FOR-SALE> 285,023 <INVESTMENTS-CARRYING> 29,708 <INVESTMENTS-MARKET> 30,275 <LOANS> 1,129,946 <ALLOWANCE> 17,167 <TOTAL-ASSETS> 1,693,950 <DEPOSITS> 1,307,383 <SHORT-TERM> 31,700 <LIABILITIES-OTHER> 47,853 <LONG-TERM> 32,313 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,032 <OTHER-SE> 122,975 <TOTAL-LIABILITIES-AND-EQUITY> 1,693,950 <INTEREST-LOAN> 23,159 <INTEREST-INVEST> 4,819 <INTEREST-OTHER> 833 <INTEREST-TOTAL> 29,811 <INTEREST-DEPOSIT> 10,787 <INTEREST-EXPENSE> 13,435 <INTEREST-INCOME-NET> 15,376 <LOAN-LOSSES> 562 <SECURITIES-GAINS> 166 <EXPENSE-OTHER> 15,383 <INCOME-PRETAX> 7,338 <INCOME-PRE-EXTRAORDINARY> 7,338 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,019 <EPS-PRIMARY> .46 <EPS-DILUTED> .45 <YIELD-ACTUAL> 7.89 <LOANS-NON> 3,565 <LOANS-PAST> 0 <LOANS-TROUBLED> 492 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 16,540 <CHARGE-OFFS> 213 <RECOVERIES> 278 <ALLOWANCE-CLOSE> 17,167 <ALLOWANCE-DOMESTIC> 17,167 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 17,167