<TABLE> <S> <C>



<ARTICLE>                         9
<CIK>                         0000705671
<NAME>                        OMEGA FINANCIAL CORP.
<MULTIPLIER>                  1,000
       
<S>                             <C>
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                             DEC-31-1999
<PERIOD-START>                                JAN-01-1999
<PERIOD-END>                                  MAR-31-1999
<CASH>                                             29,414 
<INT-BEARING-DEPOSITS>                             11,608 
<FED-FUNDS-SOLD>                                   25,900 
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                             0  
<INVESTMENTS-CARRYING>                            107,418 
<INVESTMENTS-MARKET>                              144,586 
<LOANS>                                           733,182 
<ALLOWANCE>                                        11,899 
<TOTAL-ASSETS>                                  1,069,063 
<DEPOSITS>                                        865,014 
<SHORT-TERM>                                       29,912 
<LIABILITIES-OTHER>                                16,198 
<LONG-TERM>                                         5,000 
<COMMON>                                          150,753 
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                         2,186  
<OTHER-SE>                                              0  
<TOTAL-LIABILITIES-AND-EQUITY>                  1,069,063 
<INTEREST-LOAN>                                    15,348 
<INTEREST-INVEST>                                   3,453 
<INTEREST-OTHER>                                      205 
<INTEREST-TOTAL>                                   19,006 
<INTEREST-DEPOSIT>                                  6,487 
<INTEREST-EXPENSE>                                  6,745 
<INTEREST-INCOME-NET>                              12,261 
<LOAN-LOSSES>                                         265 
<SECURITIES-GAINS>                                    201 
<EXPENSE-OTHER>                                     8,257 
<INCOME-PRETAX>                                     6,359 
<INCOME-PRE-EXTRAORDINARY>                          4,479 
<EXTRAORDINARY>                                         0  
<CHANGES>                                               0  
<NET-INCOME>                                        4,479 
<EPS-PRIMARY>                                        0.49 
<EPS-DILUTED>                                        0.47 
<YIELD-ACTUAL>                                       4.94 
<LOANS-NON>                                         2,335 
<LOANS-PAST>                                        1,276 
<LOANS-TROUBLED>                                      227 
<LOANS-PROBLEM>                                     3,838 
<ALLOWANCE-OPEN>                                   11,772 
<CHARGE-OFFS>                                         174 
<RECOVERIES>                                           36 
<ALLOWANCE-CLOSE>                                  11,899 
<ALLOWANCE-DOMESTIC>                               11,899 
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0
        


</TABLE>