<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 27,992 <INT-BEARING-DEPOSITS> 3,667 <FED-FUNDS-SOLD> 24,387 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 79,729 <INVESTMENTS-CARRYING> 34,306 <INVESTMENTS-MARKET> 34,332 <LOANS> 483,222 <ALLOWANCE> 8,343 <TOTAL-ASSETS> 679,312 <DEPOSITS> 560,242 <SHORT-TERM> 30,536 <LIABILITIES-OTHER> 10,052 <LONG-TERM> 25,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,123 <OTHER-SE> 46,359 <TOTAL-LIABILITIES-AND-EQUITY> 679,312 <INTEREST-LOAN> 13,056 <INTEREST-INVEST> 1,883 <INTEREST-OTHER> 231 <INTEREST-TOTAL> 15,170 <INTEREST-DEPOSIT> 5,301 <INTEREST-EXPENSE> 6,041 <INTEREST-INCOME-NET> 9,129 <LOAN-LOSSES> 699 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,489 <INCOME-PRETAX> 3,415 <INCOME-PRE-EXTRAORDINARY> 3,415 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,137 <EPS-BASIC> 0.30 <EPS-DILUTED> 0.30 <YIELD-ACTUAL> 0 <LOANS-NON> 3,741 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7,537 <CHARGE-OFFS> 445 <RECOVERIES> 553 <ALLOWANCE-CLOSE> 8,343 <ALLOWANCE-DOMESTIC> 5,830 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,513