<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED MARCH 31, 2000 AS PRESENTED IN ITS FIRST QUARTER 2000 FORM 10-Q AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER>1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          25,943
<INT-BEARING-DEPOSITS>                           1,420
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    223,220
<INVESTMENTS-CARRYING>                           9,722
<INVESTMENTS-MARKET>                             9,621
<LOANS>                                        382,295
<ALLOWANCE>                                      4,666
<TOTAL-ASSETS>                                 668,723
<DEPOSITS>                                     513,679
<SHORT-TERM>                                    63,242
<LIABILITIES-OTHER>                              6,334
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            43
<OTHER-SE>                                      65,425
<TOTAL-LIABILITIES-AND-EQUITY>                 668,723
<INTEREST-LOAN>                                  7,822
<INTEREST-INVEST>                                3,621
<INTEREST-OTHER>                                    62
<INTEREST-TOTAL>                                11,505
<INTEREST-DEPOSIT>                               4,059
<INTEREST-EXPENSE>                               5,106
<INTEREST-INCOME-NET>                            6,398
<LOAN-LOSSES>                                      188
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,671
<INCOME-PRETAX>                                  2,854
<INCOME-PRE-EXTRAORDINARY>                       2,854
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,958
<EPS-BASIC>                                        .48
<EPS-DILUTED>                                      .48
<YIELD-ACTUAL>                                    4.23
<LOANS-NON>                                        638
<LOANS-PAST>                                       113
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,665
<CHARGE-OFFS>                                      225
<RECOVERIES>                                        38
<ALLOWANCE-CLOSE>                                4,666
<ALLOWANCE-DOMESTIC>                             3,247
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,419