<ARTICLE>                     9
<MULTIPLIER>                                  1,000
       
                                     
<PERIOD-TYPE>                                  YEAR  
<FISCAL-YEAR-END>                       DEC-31-1999  
<PERIOD-START>                          JAN-01-1999  
<PERIOD-END>                            MAR-31-1999  
<CASH>                                       23,279  
<INT-BEARING-DEPOSITS>                            0
<FED-FUNDS-SOLD>                              6,000  
<TRADING-ASSETS>                                  0  
<INVESTMENTS-HELD-FOR-SALE>                   4,144  
<INVESTMENTS-CARRYING>                      164,316  
<INVESTMENTS-MARKET>                        164,228  
<LOANS>                                   1,535,591  
<ALLOWANCE>                                   7,431  
<TOTAL-ASSETS>                            1,764,207  
<DEPOSITS>                                1,107,480  
<SHORT-TERM>                                453,659  
<LIABILITIES-OTHER>                          58,950  
<LONG-TERM>                                       0  
<PREFERRED-MANDATORY>                             0  
<PREFERRED>                                       0  
<COMMON>                                    144,118  
<OTHER-SE>                                        0  
<TOTAL-LIABILITIES-AND-EQUITY>            1,764,207  
<INTEREST-LOAN>                              30,475  
<INTEREST-INVEST>                                 0
<INTEREST-OTHER>                              2,895  
<INTEREST-TOTAL>                             33,370  
<INTEREST-DEPOSIT>                           11,105  
<INTEREST-EXPENSE>                            5,701  
<INTEREST-INCOME-NET>                        16,564  
<LOAN-LOSSES>                                (2,000)  
<SECURITIES-GAINS>                               11  
<EXPENSE-OTHER>                               4,956  
<INCOME-PRETAX>                              13,608  
<INCOME-PRE-EXTRAORDINARY>                        0  
<EXTRAORDINARY>                                   0  
<CHANGES>                                         0  
<NET-INCOME>                                  8,237  
<EPS-PRIMARY>                                  0.44  
<EPS-DILUTED>                                  0.43  
<YIELD-ACTUAL>                                 0.08  
<LOANS-NON>                                   4,937  
<LOANS-PAST>                                    673  
<LOANS-TROUBLED>                                  0  
<LOANS-PROBLEM>                                   0  
<ALLOWANCE-OPEN>                              9,431  
<CHARGE-OFFS>                                     0  
<RECOVERIES>                                 (2,000)  
<ALLOWANCE-CLOSE>                             7,431  
<ALLOWANCE-DOMESTIC>                          7,431  
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                           0