<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           6,746
<INT-BEARING-DEPOSITS>                              28
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    125,072
<INVESTMENTS-CARRYING>                          10,698
<INVESTMENTS-MARKET>                            10,469
<LOANS>                                        188,264
<ALLOWANCE>                                      2,600
<TOTAL-ASSETS>                                 336,872
<DEPOSITS>                                     255,267
<SHORT-TERM>                                    28,016
<LIABILITIES-OTHER>                              2,017
<LONG-TERM>                                     21,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,867
<OTHER-SE>                                      24,705
<TOTAL-LIABILITIES-AND-EQUITY>                 336,872
<INTEREST-LOAN>                                  3,834
<INTEREST-INVEST>                                2,209
<INTEREST-OTHER>                                     1
<INTEREST-TOTAL>                                 6,044
<INTEREST-DEPOSIT>                               2,549
<INTEREST-EXPENSE>                                 669
<INTEREST-INCOME-NET>                            2,826
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                   3
<EXPENSE-OTHER>                                  1,746
<INCOME-PRETAX>                                  1,360
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,158
<EPS-BASIC>                                        .41
<EPS-DILUTED>                                      .41
<YIELD-ACTUAL>                                    3.95
<LOANS-NON>                                        596
<LOANS-PAST>                                        28
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  6,761
<ALLOWANCE-OPEN>                                 2,600
<CHARGE-OFFS>                                       79
<RECOVERIES>                                         4
<ALLOWANCE-CLOSE>                                2,600
<ALLOWANCE-DOMESTIC>                             2,600
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            395