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

<TABLE> <S> <C>

<ARTICLE>                                            9
<CIK>                         
<NAME>                        
       
<S>                                                <C>
<PERIOD-TYPE>                                            3-mos
<FISCAL-YEAR-END>
<PERIOD-END>                                       Mar-31-1999
<CASH>                                             $28,419,390 
<INT-BEARING-DEPOSITS>                                 790,817 
<FED-FUNDS-SOLD>                                             0 
<TRADING-ASSETS>                                             0 
<INVESTMENTS-HELD-FOR-SALE>                        618,492,469 
<INVESTMENTS-CARRYING>                             218,055,408 
<INVESTMENTS-MARKET>                               222,974,766 
<LOANS>                                            355,540,551 
<ALLOWANCE>                                          8,114,200 
<TOTAL-ASSETS>                                   1,252,149,132 
<DEPOSITS>                                         908,929,089 
<SHORT-TERM>                                       195,037,910 
<LIABILITIES-OTHER>                                 37,245,033 
<LONG-TERM>                                                  0 
<PREFERRED-MANDATORY>                                        0 
<PREFERRED>                                                  0 
<COMMON>                                                 9,989 
<OTHER-SE>                                         110,927,111 
<TOTAL-LIABILITIES-AND-EQUITY>                   1,252,149,132 
<INTEREST-LOAN>                                      7,275,005 
<INTEREST-INVEST>                                   13,523,680 
<INTEREST-OTHER>                                       256,106 
<INTEREST-TOTAL>                                    21,054,791 
<INTEREST-DEPOSIT>                                   6,698,773 
<INTEREST-EXPENSE>                                   9,321,782 
<INTEREST-INCOME-NET>                               11,733,009 
<LOAN-LOSSES>                                          200,000 
<SECURITIES-GAINS>                                      75,881 
<EXPENSE-OTHER>                                      6,607,531 
<INCOME-PRETAX>                                      6,399,989 
<INCOME-PRE-EXTRAORDINARY>                                   0 
<EXTRAORDINARY>                                              0 
<CHANGES>                                                    0 
<NET-INCOME>                                         4,209,559 
<EPS-PRIMARY>                                             0.43 
<EPS-DILUTED>                                             0.43 
<YIELD-ACTUAL>                                            4.14 
<LOANS-NON>                                            491,000 
<LOANS-PAST>                                           747,000 
<LOANS-TROUBLED>                                             0 
<LOANS-PROBLEM>                                              0 
<ALLOWANCE-OPEN>                                     7,964,735 
<CHARGE-OFFS>                                          177,990 
<RECOVERIES>                                           127,455 
<ALLOWANCE-CLOSE>                                    8,114,200 
<ALLOWANCE-DOMESTIC>                                   271,000 
<ALLOWANCE-FOREIGN>                                          0 
<ALLOWANCE-UNALLOCATED>                              7,843,200 
                                               


</TABLE>