<ARTICLE> 9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          60,243
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                64,865
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    459,482
<INVESTMENTS-CARRYING>                          36,486
<INVESTMENTS-MARKET>                            37,091
<LOANS>                                        551,438
<ALLOWANCE>                                     12,435
<TOTAL-ASSETS>                               1,221,935
<DEPOSITS>                                   1,067,254
<SHORT-TERM>                                     4,715
<LIABILITIES-OTHER>                             13,733
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        43,069
<OTHER-SE>                                      93,164
<TOTAL-LIABILITIES-AND-EQUITY>               1,221,935
<INTEREST-LOAN>                                 13,400
<INTEREST-INVEST>                                7,215
<INTEREST-OTHER>                                   700
<INTEREST-TOTAL>                                21,315
<INTEREST-DEPOSIT>                               5,642
<INTEREST-EXPENSE>                               5,712
<INTEREST-INCOME-NET>                           15,603
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 11,864
<INCOME-PRETAX>                                  7,449
<INCOME-PRE-EXTRAORDINARY>                       5,179
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,179
<EPS-BASIC>                                      $0.51
<EPS-DILUTED>                                    $0.51
<YIELD-ACTUAL>                                    7.75
<LOANS-NON>                                      1,450
<LOANS-PAST>                                     1,686
<LOANS-TROUBLED>                                 2,297
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                12,901
<CHARGE-OFFS>                                      642
<RECOVERIES>                                       176
<ALLOWANCE-CLOSE>                               12,435
<ALLOWANCE-DOMESTIC>                            12,435
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,084