<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           5,419
<INT-BEARING-DEPOSITS>                             694
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,467
<INVESTMENTS-CARRYING>                          36,485
<INVESTMENTS-MARKET>                            36,612
<LOANS>                                        644,145
<ALLOWANCE>                                      3,566
<TOTAL-ASSETS>                                 727,310
<DEPOSITS>                                     546,122
<SHORT-TERM>                                    15,287
<LIABILITIES-OTHER>                              8,616
<LONG-TERM>                                     80,850
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        76,435
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 727,310
<INTEREST-LOAN>                                 11,734
<INTEREST-INVEST>                                  748
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                12,482
<INTEREST-DEPOSIT>                               5,730
<INTEREST-EXPENSE>                               7,140
<INTEREST-INCOME-NET>                            5,342
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,488
<INCOME-PRETAX>                                  2,714
<INCOME-PRE-EXTRAORDINARY>                       1,791
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,791
<EPS-PRIMARY>                                      .20
<EPS-DILUTED>                                      .20
<YIELD-ACTUAL>                                    3.08
<LOANS-NON>                                      1,159
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,531
<CHARGE-OFFS>                                       32
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                3,566
<ALLOWANCE-DOMESTIC>                             3,566
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0