<TABLE> <S> <C>

<ARTICLE>                                                       9
<MULTIPLIER>                                                1,000
       
<S>                                             <C>
<PERIOD-TYPE>                                               3-Mos
<FISCAL-YEAR-END>                                     Dec-31-1999
<PERIOD-END>                                          Mar-31-1999
<CASH>                                                     15,961
<INT-BEARING-DEPOSITS>                                          0
<FED-FUNDS-SOLD>                                           15,950
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                               102,975
<INVESTMENTS-CARRYING>                                     48,935
<INVESTMENTS-MARKET>                                       49,313
<LOANS>                                                   479,481
<ALLOWANCE>                                                 5,853
<TOTAL-ASSETS>                                            675,786
<DEPOSITS>                                                589,400
<SHORT-TERM>                                               16,989
<LIABILITIES-OTHER>                                         5,779
<LONG-TERM>                                                     0
<COMMON>                                                    5,397
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                                 58,221
<TOTAL-LIABILITIES-AND-EQUITY>                            675,786
<INTEREST-LOAN>                                             9,507
<INTEREST-INVEST>                                           2,124
<INTEREST-OTHER>                                              219
<INTEREST-TOTAL>                                           11,850
<INTEREST-DEPOSIT>                                          4,275
<INTEREST-EXPENSE>                                          4,512
<INTEREST-INCOME-NET>                                       7,338
<LOAN-LOSSES>                                                 300
<SECURITIES-GAINS>                                            527
<EXPENSE-OTHER>                                             4,925
<INCOME-PRETAX>                                             3,460
<INCOME-PRE-EXTRAORDINARY>                                  3,460
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                2,286
<EPS-PRIMARY>                                                0.32
<EPS-DILUTED>                                                0.32
<YIELD-ACTUAL>                                               4.53
<LOANS-NON>                                                 2,298
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                              513
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                            5,645
<CHARGE-OFFS>                                                 100
<RECOVERIES>                                                    8
<ALLOWANCE-CLOSE>                                           5,853
<ALLOWANCE-DOMESTIC>                                        5,853
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                       990
        

</TABLE>