<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 16,678 <INT-BEARING-DEPOSITS> 286 <FED-FUNDS-SOLD> 14,900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,144 <INVESTMENTS-CARRYING> 2,000 <INVESTMENTS-MARKET> 1,975 <LOANS> 145,375 <ALLOWANCE> 1,642 <TOTAL-ASSETS> 210,188 <DEPOSITS> 193,406 <SHORT-TERM> 750 <LIABILITIES-OTHER> 1,487 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,512 <OTHER-SE> 4,033 <TOTAL-LIABILITIES-AND-EQUITY> 210,188 <INTEREST-LOAN> 3,573 <INTEREST-INVEST> 483 <INTEREST-OTHER> 134 <INTEREST-TOTAL> 4,190 <INTEREST-DEPOSIT> 1,249 <INTEREST-EXPENSE> 1,256 <INTEREST-INCOME-NET> 2,934 <LOAN-LOSSES> 120 <SECURITIES-GAINS> (2) <EXPENSE-OTHER> 1,918 <INCOME-PRETAX> 1,107 <INCOME-PRE-EXTRAORDINARY> 1,107 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 653 <EPS-BASIC> .32 <EPS-DILUTED> .30 <YIELD-ACTUAL> 9.11 <LOANS-NON> 1,707 <LOANS-PAST> 40 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,492 <CHARGE-OFFS> 0 <RECOVERIES> 30 <ALLOWANCE-CLOSE> 1,642 <ALLOWANCE-DOMESTIC> 1,216 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 426