<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <EXCHANGE-RATE> 1 <CASH> 21,658 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 314 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 293,520 <INVESTMENTS-CARRYING> 24,696 <INVESTMENTS-MARKET> 25,023 <LOANS> 786,985 <ALLOWANCE> (6,701) <TOTAL-ASSETS> 1,175,380 <DEPOSITS> 788,584 <SHORT-TERM> 0 <LIABILITIES-OTHER> 8,291 <LONG-TERM> 290,250 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 64,113 <OTHER-SE> 24,142 <TOTAL-LIABILITIES-AND-EQUITY> 1,175,380 <INTEREST-LOAN> 16,192 <INTEREST-INVEST> 5,156 <INTEREST-OTHER> 23 <INTEREST-TOTAL> 21,371 <INTEREST-DEPOSIT> 8,051 <INTEREST-EXPENSE> 11,970 <INTEREST-INCOME-NET> 9,401 <LOAN-LOSSES> 350 <SECURITIES-GAINS> 124 <EXPENSE-OTHER> 7,177 <INCOME-PRETAX> 4,157 <INCOME-PRE-EXTRAORDINARY> 2,841 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,841 <EPS-PRIMARY> .36 <EPS-DILUTED> .36 <YIELD-ACTUAL> 7.87 <LOANS-NON> 1,195 <LOANS-PAST> 2,500 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,643 <CHARGE-OFFS> (441) <RECOVERIES> 149 <ALLOWANCE-CLOSE> 6,701 <ALLOWANCE-DOMESTIC> 6,701 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0