<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>                                          19,257
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                33,780
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,531
<INVESTMENTS-CARRYING>                           3,269
<INVESTMENTS-MARKET>                             3,269
<LOANS>                                        496,179
<ALLOWANCE>                                     10,763
<TOTAL-ASSETS>                                 594,031
<DEPOSITS>                                     505,636
<SHORT-TERM>                                     5,688
<LIABILITIES-OTHER>                              8,835
<LONG-TERM>                                     16,537
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,579
<OTHER-SE>                                      43,756
<TOTAL-LIABILITIES-AND-EQUITY>                 594,031
<INTEREST-LOAN>                                 13,020
<INTEREST-INVEST>                                  409
<INTEREST-OTHER>                                   199
<INTEREST-TOTAL>                                13,628
<INTEREST-DEPOSIT>                               4,505
<INTEREST-EXPENSE>                               4,674
<INTEREST-INCOME-NET>                            8,954
<LOAN-LOSSES>                                      794
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,600
<INCOME-PRETAX>                                  4,261
<INCOME-PRE-EXTRAORDINARY>                       4,261
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,655
<EPS-PRIMARY>                                     1.96
<EPS-DILUTED>                                     1.94
<YIELD-ACTUAL>                                    6.56
<LOANS-NON>                                      3,154
<LOANS-PAST>                                       593
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 12,134
<ALLOWANCE-OPEN>                                10,253
<CHARGE-OFFS>                                      607
<RECOVERIES>                                       323
<ALLOWANCE-CLOSE>                               10,763
<ALLOWANCE-DOMESTIC>                            10,763
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0