WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>



<ARTICLE>                                                         9
       
<S>                                                          <C>  
<PERIOD-TYPE>                                                     3-Mos
<FISCAL-YEAR-END>                                                Dec-31-1999
<PERIOD-END>                                                     Mar-31-1999
<CASH>                                                           29,298
<INT-BEARING-DEPOSITS>                                            1,519
<FED-FUNDS-SOLD>                                                  7,625
<TRADING-ASSETS>                                                  1,958
<Investments-Available-for-Sale>                                459,450
<Investments-Held-to-Maturity>                                   24,626
<INVESTMENTS-CARRYING>                                          461,228
<INVESTMENTS-MARKET>                                            459,450
<LOANS>                                                         537,914
<ALLOWANCE>                                                      (6,609)
<TOTAL-ASSETS>                                                1,089,266
<DEPOSITS>                                                      895,225
<SHORT-TERM>                                                      3,644
<LIABILITIES-OTHER>                                               7,649
<LONG-TERM>                                                     106,900
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<COMMON>                                                            114
<OTHER-SE>                                                       75,734
<TOTAL-LIABILITIES-AND-EQUITY>                                1,089,266
<INTEREST-LOAN>                                                  11,639
<INTEREST-INVEST>                                                 7,194
<INTEREST-OTHER>                                                     78
<INTEREST-DEPOSIT>                                                8,725
<INTEREST-EXPENSE>                                               10,207
<INTEREST-INCOME-NET>                                             8,704
<LOAN-LOSSES>                                                       474
<Income-Other>                                                    1,900
<SECURITIES-GAINS>                                                  206
<EXPENSE-OTHER>                                                   6,209
<INCOME-PRETAX>                                                   3,921
<INCOME-PRE-EXTRAORDINARY>                                        2,522
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                      2,552
<EPS-PRIMARY>                                                     $0.23
<EPS-DILUTED>                                                     $0.23
<YIELD-ACTUAL>                                                     3.48
<LOANS-NON>                                                       2,426
<LOANS-PAST>                                                      1,943
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                  6,576
<CHARGE-OFFS>                                                       462
<RECOVERIES>                                                         21
<ALLOWANCE-CLOSE>                                                 6,609
<ALLOWANCE-DOMESTIC>                                              6,609
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0
        



</TABLE>