<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 6,306 <INT-BEARING-DEPOSITS> 312 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 89,618 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 231,963 <ALLOWANCE> 2,374 <TOTAL-ASSETS> 339,820 <DEPOSITS> 284,716 <SHORT-TERM> 18,759 <LIABILITIES-OTHER> 3,466 <LONG-TERM> 5,870 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,801 <OTHER-SE> 24,208 <TOTAL-LIABILITIES-AND-EQUITY> 339,820 <INTEREST-LOAN> 4,879 <INTEREST-INVEST> 1,355 <INTEREST-OTHER> 11 <INTEREST-TOTAL> 6,245 <INTEREST-DEPOSIT> 2,934 <INTEREST-EXPENSE> 3,342 <INTEREST-INCOME-NET> 2,902 <LOAN-LOSSES> 100 <SECURITIES-GAINS> 20 <EXPENSE-OTHER> 2,262 <INCOME-PRETAX> 1,182 <INCOME-PRE-EXTRAORDINARY> 938 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 938 <EPS-BASIC> .34 <EPS-DILUTED> .34 <YIELD-ACTUAL> 3.88 <LOANS-NON> 303 <LOANS-PAST> 288 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 847 <ALLOWANCE-OPEN> 2,270 <CHARGE-OFFS> 22 <RECOVERIES> 26 <ALLOWANCE-CLOSE> 2,374 <ALLOWANCE-DOMESTIC> 2,374 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 226