<TABLE> <S> <C>

<ARTICLE>                                                       9
       
<S>                                                <C>    
<FISCAL-YEAR-END>                                     DEC-31-1999
<PERIOD-END>                                          MAR-31-1999
<PERIOD-TYPE>                                               3-MOS
<CASH>                                                 34,893,029
<INT-BEARING-DEPOSITS>                                  7,914,382
<FED-FUNDS-SOLD>                                       10,000,000
<TRADING-ASSETS>                                                0   
<INVESTMENTS-HELD-FOR-SALE>                           204,688,958
<INVESTMENTS-CARRYING>                                 14,136,712
<INVESTMENTS-MARKET>                                   14,289,892
<LOANS>                                               717,030,271
<ALLOWANCE>                                             8,732,332
<TOTAL-ASSETS>                                      1,019,526,174
<DEPOSITS>                                            828,860,993
<SHORT-TERM>                                            1,924,642
<LIABILITIES-OTHER>                                    10,589,556
<LONG-TERM>                                            70,000,000
<COMMON>                                               47,315,208
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                             25,274,557
<TOTAL-LIABILITIES-AND-EQUITY>                      1,019,526,174
<INTEREST-LOAN>                                        15,640,957
<INTEREST-INVEST>                                       3,429,044
<INTEREST-OTHER>                                           30,820
<INTEREST-TOTAL>                                       19,100,821
<INTEREST-DEPOSIT>                                      6,626,824
<INTEREST-EXPENSE>                                      7,890,686
<INTEREST-INCOME-NET>                                  11,210,135
<LOAN-LOSSES>                                             350,000
<SECURITIES-GAINS>                                         56,300
<EXPENSE-OTHER>                                         8,108,663
<INCOME-PRETAX>                                         4,975,967
<INCOME-PRE-EXTRAORDINARY>                              4,975,967
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                            3,174,190
<EPS-PRIMARY>                                                0.49
<EPS-DILUTED>                                                0.47
<YIELD-ACTUAL>                                               4.64
<LOANS-NON>                                             1,627,753
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                        8,296,635
<CHARGE-OFFS>                                             107,257
<RECOVERIES>                                              192,954
<ALLOWANCE-CLOSE>                                       8,732,332
<ALLOWANCE-DOMESTIC>                                    8,232,332
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                   500,000
        


</TABLE>