<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