<TABLE> <S> <C>

<ARTICLE>                                        9
<MULTIPLIER>                                     1
       
<S>                                              <C>
<FISCAL-YEAR-END>                                DEC-31-1999
<PERIOD-TYPE>                                    3-MOS
<PERIOD-START>                                   JAN-01-1999
<PERIOD-END>                                     MAR-31-1999
<CASH>                                            14,742,876
<INT-BEARING-DEPOSITS>                               465,405
<FED-FUNDS-SOLD>                                   8,096,025
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                      300,929,464
<INVESTMENTS-CARRYING>                                     0
<INVESTMENTS-MARKET>                                       0
<LOANS>                                          307,900,341
<ALLOWANCE>                                        3,028,522
<TOTAL-ASSETS>                                   668,199,538
<DEPOSITS>                                       430,331,434
<SHORT-TERM>                                     165,223,065
<LIABILITIES-OTHER>                               23,642,091
<LONG-TERM>                                       12,657,609
<COMMON>                                           7,824,185
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<OTHER-SE>                                        28,521,154
<TOTAL-LIABILITIES-AND-EQUITY>                   668,199,538
<INTEREST-LOAN>                                    6,486,015
<INTEREST-INVEST>                                  4,301,886
<INTEREST-OTHER>                                     123,373
<INTEREST-TOTAL>                                  10,911,274
<INTEREST-DEPOSIT>                                 4,445,526
<INTEREST-EXPENSE>                                 6,607,552
<INTEREST-INCOME-NET>                              4,303,722
<LOAN-LOSSES>                                         75,000
<SECURITIES-GAINS>                                   267,812
<EXPENSE-OTHER>                                    3,642,350
<INCOME-PRETAX>                                    1,586,012
<INCOME-PRE-EXTRAORDINARY>                         1,284,620
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                       1,284,620
<EPS-PRIMARY>                                           0.41
<EPS-DILUTED>                                           0.41
<YIELD-ACTUAL>                                          0283
<LOANS-NON>                                        1,087,000
<LOANS-PAST>                                       1,318,000
<LOANS-TROUBLED>                                     325,000
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                           0
<CHARGE-OFFS>                                              0
<RECOVERIES>                                               0
<ALLOWANCE-CLOSE>                                          0
<ALLOWANCE-DOMESTIC>                                       0
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0
        

</TABLE>