<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 10,611 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 37,013 <INVESTMENTS-CARRYING> 128,933 <INVESTMENTS-MARKET> 125,098 <LOANS> 265,241 <ALLOWANCE> (4,176) <TOTAL-ASSETS> 467,901 <DEPOSITS> 270,568 <SHORT-TERM> 61,749 <LIABILITIES-OTHER> 4,534 <LONG-TERM> 81,819 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,287 <OTHER-SE> 41,944 <TOTAL-LIABILITIES-AND-EQUITY> 467,901 <INTEREST-LOAN> 5,700 <INTEREST-INVEST> 2,829 <INTEREST-OTHER> 15 <INTEREST-TOTAL> 8,544 <INTEREST-DEPOSIT> 2,140 <INTEREST-EXPENSE> 4,041 <INTEREST-INCOME-NET> 4,503 <LOAN-LOSSES> 163 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,768 <INCOME-PRETAX> 1,921 <INCOME-PRE-EXTRAORDINARY> 1,921 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,286 <EPS-BASIC> .38 <EPS-DILUTED> .38 <YIELD-ACTUAL> 7.79 <LOANS-NON> 2,081 <LOANS-PAST> 339 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,293 <CHARGE-OFFS> 301 <RECOVERIES> 21 <ALLOWANCE-CLOSE> 4,176 <ALLOWANCE-DOMESTIC> 4,176 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,274