<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   MAR-31-1999
<CASH>                                          35,795
<INT-BEARING-DEPOSITS>                           2,038
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     74,698
<INVESTMENTS-CARRYING>                         362,670
<INVESTMENTS-MARKET>                           362,995
<LOANS>                                        304,022
<ALLOWANCE>                                      1,939
<TOTAL-ASSETS>                                 739,417
<DEPOSITS>                                     424,869
<SHORT-TERM>                                    25,000
<LIABILITIES-OTHER>                              9,924
<LONG-TERM>                                    228,359
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           529
<OTHER-SE>                                      50,736
<TOTAL-LIABILITIES-AND-EQUITY>                 739,417
<INTEREST-LOAN>                                  5,089
<INTEREST-INVEST>                                5,678
<INTEREST-OTHER>                                   326
<INTEREST-TOTAL>                                11,093
<INTEREST-DEPOSIT>                               3,857
<INTEREST-EXPENSE>                               6,632
<INTEREST-INCOME-NET>                            4,461
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,220
<INCOME-PRETAX>                                  1,535
<INCOME-PRE-EXTRAORDINARY>                       1,535
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       984
<EPS-PRIMARY>                                      .35
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    2.54
<LOANS-NON>                                          0
<LOANS-PAST>                                     1,561
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,909
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,939
<ALLOWANCE-DOMESTIC>                             1,939
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,939
                                                 


</TABLE>