<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1999 <CASH> 35,795 <INT-BEARING-DEPOSITS> 2,038 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 74,698 <INVESTMENTS-CARRYING> 362,670 <INVESTMENTS-MARKET> 362,995 <LOANS> 304,022 <ALLOWANCE> 1,939 <TOTAL-ASSETS> 739,417 <DEPOSITS> 424,869 <SHORT-TERM> 25,000 <LIABILITIES-OTHER> 9,924 <LONG-TERM> 228,359 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 529 <OTHER-SE> 50,736 <TOTAL-LIABILITIES-AND-EQUITY> 739,417 <INTEREST-LOAN> 5,089 <INTEREST-INVEST> 5,678 <INTEREST-OTHER> 326 <INTEREST-TOTAL> 11,093 <INTEREST-DEPOSIT> 3,857 <INTEREST-EXPENSE> 6,632 <INTEREST-INCOME-NET> 4,461 <LOAN-LOSSES> 30 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,220 <INCOME-PRETAX> 1,535 <INCOME-PRE-EXTRAORDINARY> 1,535 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 984 <EPS-PRIMARY> .35 <EPS-DILUTED> .33 <YIELD-ACTUAL> 2.54 <LOANS-NON> 0 <LOANS-PAST> 1,561 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,909 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,939 <ALLOWANCE-DOMESTIC> 1,939 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,939