<ARTICLE> 9 <LEGEND> THIS SCHEDULE OF FINANCIAL INFORMATION IS EXTRACTED FROM THE MARCH 31,2000 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 13,053 <INT-BEARING-DEPOSITS> 6,073 <FED-FUNDS-SOLD> 10,455 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 118,450 <INVESTMENTS-CARRYING> 22,421 <INVESTMENTS-MARKET> 22,215 <LOANS> 301,149 <ALLOWANCE> 3,452 <TOTAL-ASSETS> 486,344 <DEPOSITS> 419,221 <SHORT-TERM> 177 <LIABILITIES-OTHER> 2,295 <LONG-TERM> 10,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,792 <OTHER-SE> 45,859 <TOTAL-LIABILITIES-AND-EQUITY> 486,344 <INTEREST-LOAN> 6,539 <INTEREST-INVEST> 2,208 <INTEREST-OTHER> 97 <INTEREST-TOTAL> 8,844 <INTEREST-DEPOSIT> 3,720 <INTEREST-EXPENSE> 3,886 <INTEREST-INCOME-NET> 4,958 <LOAN-LOSSES> 353 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,991 <INCOME-PRETAX> 2,539 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,852 <EPS-BASIC> .53 <EPS-DILUTED> .53 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0