<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AT MARCH 31, 1999 AND DECEMBER 31, 1998 AND THE
CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS ENDED MARCH 31, 1999
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>                                           2,029
<INT-BEARING-DEPOSITS>                           4,659
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    184,546
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        449,872
<ALLOWANCE>                                      3,117
<TOTAL-ASSETS>                                 681,936
<DEPOSITS>                                     421,210
<SHORT-TERM>                                    15,000
<LIABILITIES-OTHER>                              6,312
<LONG-TERM>                                    170,400
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                      68,923
<TOTAL-LIABILITIES-AND-EQUITY>                 681,936
<INTEREST-LOAN>                                  8,644
<INTEREST-INVEST>                                2,711
<INTEREST-OTHER>                                   248
<INTEREST-TOTAL>                                11,603
<INTEREST-DEPOSIT>                               4,622
<INTEREST-EXPENSE>                               7,170
<INTEREST-INCOME-NET>                            4,433
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                 139
<EXPENSE-OTHER>                                  2,934
<INCOME-PRETAX>                                  2,610
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,602
<EPS-PRIMARY>                                      .36
<EPS-DILUTED>                                      .34
<YIELD-ACTUAL>                                    2.73
<LOANS-NON>                                        400
<LOANS-PAST>                                       324
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     37
<ALLOWANCE-OPEN>                                 3,041
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                3,117
<ALLOWANCE-DOMESTIC>                             1,434
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,671
        

</TABLE>