<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