<ARTICLE> 9
<LEGEND>
This schedule contains financial information from the Consolidated Balance Sheet
at  March  31, 2000(unaudited) and the Consolidated Statements of Income for the
three months ended March 31, 2000(unaudited) and is qualified in its entirety by
reference  to  such  statements.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. Dollars

                                     
<PERIOD-TYPE>                           3-MOS
<FISCAL-YEAR-END>                       DEC-31-2000
<PERIOD-START>                          JAN-01-2000
<PERIOD-END>                            MAR-31-2000
<EXCHANGE-RATE>                         1
<CASH>                                        6384
<INT-BEARING-DEPOSITS>                        2463
<FED-FUNDS-SOLD>                              6040
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                  26105
<INVESTMENTS-CARRYING>                       26105
<INVESTMENTS-MARKET>                          1038
<LOANS>                                     151020
<ALLOWANCE>                                   2210
<TOTAL-ASSETS>                              198695
<DEPOSITS>                                  164044
<SHORT-TERM>                                  2500
<LIABILITIES-OTHER>                           2587
<LONG-TERM>                                  11000
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                      3394
<OTHER-SE>                                   15170
<TOTAL-LIABILITIES-AND-EQUITY>              198695
<INTEREST-LOAN>                               3826
<INTEREST-INVEST>                              386
<INTEREST-OTHER>                                69
<INTEREST-TOTAL>                              4281
<INTEREST-DEPOSIT>                            1709
<INTEREST-EXPENSE>                            1877
<INTEREST-INCOME-NET>                         2404
<LOAN-LOSSES>                                   93
<SECURITIES-GAINS>                               0
<EXPENSE-OTHER>                               1753
<INCOME-PRETAX>                                960
<INCOME-PRE-EXTRAORDINARY>                     960
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                   652
<EPS-BASIC>                                  .20
<EPS-DILUTED>                                  .18
<YIELD-ACTUAL>                                   5
<LOANS-NON>                                    267
<LOANS-PAST>                                    83
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                              2163
<CHARGE-OFFS>                                   85
<RECOVERIES>                                    39
<ALLOWANCE-CLOSE>                             2210
<ALLOWANCE-DOMESTIC>                          2210
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0