<TABLE> <S> <C>


<ARTICLE>                                          9
<LEGEND>
                                EXHIBIT 27
                             Financial Data Schedule
These  schedules  contain  summary  financial  information  extracted  from  the
consolidated balance sheets, the consolidated  statements of income, and Company
records,  and are  qualified in their  entirety by  reference to such  financial
statements. All dollar amounts are in thousands, except per share data.
</LEGEND>

<MULTIPLIER>                                   1,000
       

<S>                                          <C>
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                              27,014
<INT-BEARING-DEPOSITS>                               7,137
<FED-FUNDS-SOLD>                                     1,800
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        133,909
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            524,016
<ALLOWANCE>                                          6,959
<TOTAL-ASSETS>                                     755,788
<DEPOSITS>                                         605,769
<SHORT-TERM>                                        25,510
<LIABILITIES-OTHER>                                  9,370
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                            905
<COMMON>                                            28,439
<OTHER-SE>                                          54,584
<TOTAL-LIABILITIES-AND-EQUITY>                     755,788
<INTEREST-LOAN>                                     11,896
<INTEREST-INVEST>                                    1,792
<INTEREST-OTHER>                                       219
<INTEREST-TOTAL>                                    13,907
<INTEREST-DEPOSIT>                                   5,313
<INTEREST-EXPENSE>                                   5,955
<INTEREST-INCOME-NET>                                7,952
<LOAN-LOSSES>                                          419
<SECURITIES-GAINS>                                      36
<EXPENSE-OTHER>                                        877
<INCOME-PRETAX>                                      3,116
<INCOME-PRE-EXTRAORDINARY>                           3,116
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,069
<EPS-PRIMARY>                                          .18
<EPS-DILUTED>                                          .17
<YIELD-ACTUAL>                                        8.32
<LOANS-NON>                                            888
<LOANS-PAST>                                         2,309
<LOANS-TROUBLED>                                       106
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     6,602
<CHARGE-OFFS>                                          144
<RECOVERIES>                                            82
<ALLOWANCE-CLOSE>                                    6,959
<ALLOWANCE-DOMESTIC>                                 6,959
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                696
        


</TABLE>