<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> 13,193 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 99,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 759,517 <INVESTMENTS-CARRYING> 49,265 <INVESTMENTS-MARKET> 44,491 <LOANS> 498,382 <ALLOWANCE> 4,748 <TOTAL-ASSETS> 1,444,201 <DEPOSITS> 506,976 <SHORT-TERM> 611,100 <LIABILITIES-OTHER> 13,548 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 365 <OTHER-SE> 312,212 <TOTAL-LIABILITIES-AND-EQUITY> 1,444,201 <INTEREST-LOAN> 9,418 <INTEREST-INVEST> 13,459 <INTEREST-OTHER> 796 <INTEREST-TOTAL> 23,673 <INTEREST-DEPOSIT> 4,876 <INTEREST-EXPENSE> 12,730 <INTEREST-INCOME-NET> 10,943 <LOAN-LOSSES> 600 <SECURITIES-GAINS> 299 <EXPENSE-OTHER> 3,901 <INCOME-PRETAX> 7,704 <INCOME-PRE-EXTRAORDINARY> 7,704 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,731 <EPS-PRIMARY> .14 <EPS-DILUTED> .14 <YIELD-ACTUAL> 6.76 <LOANS-NON> 3,582 <LOANS-PAST> 3,632 <LOANS-TROUBLED> 621 <LOANS-PROBLEM> 6,402 <ALLOWANCE-OPEN> 4,095 <CHARGE-OFFS> 600 <RECOVERIES> 53 <ALLOWANCE-CLOSE> 4,748 <ALLOWANCE-DOMESTIC> 4,748 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 962