<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