<ARTICLE> 9
<LEGEND> This schedule contains summary financial information extracted from 
                       and is qualified in its entirety by reference to such
financial statements. 
</LEGEND>
<MULTIPLIER> 1,000
       
                                                
<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
<CASH>                                        34,597                36,318
<INT-BEARING-DEPOSITS>                           941                     0
<FED-FUNDS-SOLD>                              42,200                     0
<TRADING-ASSETS>                                   0                     0
<INVESTMENTS-HELD-FOR-SALE>                  369,891               136,670
<INVESTMENTS-CARRYING>                        10,932                 5,224
<INVESTMENTS-MARKET>                          11,259                 5,638
<LOANS>                                      797,532               526,914
<ALLOWANCE>                                   15,766                 7,751
<TOTAL-ASSETS>                             1,342,105               762,675
<DEPOSITS>                                   968,417               634,448
<SHORT-TERM>                                 138,008                29,365
<LIABILITIES-OTHER>                           23,729                11,937
<LONG-TERM>                                  113,143                20,537
<COMMON>                                           0                     0
<PREFERRED-MANDATORY>                              0                     0
<PREFERRED>                                       71                   490
<OTHER-SE>                                         0                     0
<TOTAL-LIABILITIES-AND-EQUITY>             1,342,105               762,675
<INTEREST-LOAN>                               12,802                11,159
<INTEREST-INVEST>                              3,718                 2,613
<INTEREST-OTHER>                                 310                   118
<INTEREST-TOTAL>                              16,830                13,890
<INTEREST-DEPOSIT>                             6,304                 5,593
<INTEREST-EXPENSE>                             8,881                 6,887
<INTEREST-INCOME-NET>                          7,949                 7,003
<LOAN-LOSSES>                                    246                   188
<SECURITIES-GAINS>                                 0                    15
<EXPENSE-OTHER>                                7,063                 6,840
<INCOME-PRETAX>                                2,203                 5,475
<INCOME-PRE-EXTRAORDINARY>                     2,203                 5,475
<EXTRAORDINARY>                                    0                     0
<CHANGES>                                          0                     0
<NET-INCOME>                                   1,444                 3,558
<EPS-PRIMARY>                                   0.28                  0.76
<EPS-DILUTED>                                   0.28                  0.76
<YIELD-ACTUAL>                                     0                     0
<LOANS-NON>                                   10,727                 9,364
<LOANS-PAST>                                       0                     0
<LOANS-TROUBLED>                                   0                     0
<LOANS-PROBLEM>                                    0                     0
<ALLOWANCE-OPEN>                               6,344                 7,922
<CHARGE-OFFS>                                    410                     4
<RECOVERIES>                                      97                    44
<ALLOWANCE-CLOSE>                             15,766                 7,751
<ALLOWANCE-DOMESTIC>                          15,766                 7,751
<ALLOWANCE-FOREIGN>                                0                     0
<ALLOWANCE-UNALLOCATED>                            0                     0