<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated Condensed Statements of Condition at March 31, 1999 (unaudited) and
the Consolidated Condensed Statements of Income for the three months ended March
31, 1999  (unaudited)  and is  qualified  in its  entirety by  reference to such
financial statements.

</LEGEND>

<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                               9,472
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                     5,175
<TRADING-ASSETS>                                       437
<INVESTMENTS-HELD-FOR-SALE>                        218,077
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            295,084
<ALLOWANCE>                                         (5,580)
<TOTAL-ASSETS>                                     536,812
<DEPOSITS>                                         341,861
<SHORT-TERM>                                        96,219
<LIABILITIES-OTHER>                                  6,745
<LONG-TERM>                                         41,630
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             5,713
<OTHER-SE>                                          44,644
<TOTAL-LIABILITIES-AND-EQUITY>                     536,812
<INTEREST-LOAN>                                      5,788
<INTEREST-INVEST>                                    3,230
<INTEREST-OTHER>                                        55
<INTEREST-TOTAL>                                     9,073
<INTEREST-DEPOSIT>                                   2,898
<INTEREST-EXPENSE>                                   4,586
<INTEREST-INCOME-NET>                                4,487
<LOAN-LOSSES>                                           30
<SECURITIES-GAINS>                                     402
<EXPENSE-OTHER>                                      2,863
<INCOME-PRETAX>                                      2,571
<INCOME-PRE-EXTRAORDINARY>                           2,571
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,835
<EPS-PRIMARY>                                         0.36
<EPS-DILUTED>                                         0.33
<YIELD-ACTUAL>                                        7.12
<LOANS-NON>                                          1,115
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      5,668
<ALLOWANCE-OPEN>                                     5,549
<CHARGE-OFFS>                                           25
<RECOVERIES>                                            26
<ALLOWANCE-CLOSE>                                    5,580
<ALLOWANCE-DOMESTIC>                                 3,891
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,689
        

</TABLE>