<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 16,490 <INT-BEARING-DEPOSITS> 4 <FED-FUNDS-SOLD> 8,433 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 497,506 <INVESTMENTS-CARRYING> 29,020 <INVESTMENTS-MARKET> 0 <LOANS> 588,237 <ALLOWANCE> (6,824) <TOTAL-ASSETS> 1,178,415 <DEPOSITS> 902,915 <SHORT-TERM> 25,473 <LIABILITIES-OTHER> 7,215 <LONG-TERM> 148,653 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,561 <OTHER-SE> 89,598 <TOTAL-LIABILITIES-AND-EQUITY> 1,178,415 <INTEREST-LOAN> 11,063 <INTEREST-INVEST> 7,839 <INTEREST-OTHER> 50 <INTEREST-TOTAL> 18,952 <INTEREST-DEPOSIT> 8,061 <INTEREST-EXPENSE> 10,329 <INTEREST-INCOME-NET> 8,623 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 1,243 <EXPENSE-OTHER> 4,663 <INCOME-PRETAX> 5,850 <INCOME-PRE-EXTRAORDINARY> 5,850 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,698 <EPS-PRIMARY> .44 <EPS-DILUTED> .41 <YIELD-ACTUAL> 6.86 <LOANS-NON> 2,749 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,876 <CHARGE-OFFS> 67 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 6,824 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0