<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE CONSOLIDATED BALANCE SHEET AND INCOME STATEMENT OF CHOICEONE
FINANCIAL SERVICES, INC. INCLUDED IN THE MARCH 31, 2000, FORM 10-Q FILING
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                          1,000

                                                            
<PERIOD-TYPE>                                                         3-MOS
<FISCAL-YEAR-END>                                               DEC-31-2000
<PERIOD-START>                                                  JAN-01-2000
<PERIOD-END>                                                    MAR-31-2000
<CASH>                                                                3,940
<INT-BEARING-DEPOSITS>                                                    3
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          14,933
<INVESTMENTS-CARRYING>                                                    0
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                             170,235
<ALLOWANCE>                                                           1,925
<TOTAL-ASSETS>                                                      197,320
<DEPOSITS>                                                          132,832
<SHORT-TERM>                                                          9,023
<LIABILITIES-OTHER>                                                   2,234
<LONG-TERM>                                                          36,140
<COMMON>                                                                  0
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                           17,091
<TOTAL-LIABILITIES-AND-EQUITY>                                      197,320
<INTEREST-LOAN>                                                       3,835
<INTEREST-INVEST>                                                       224
<INTEREST-OTHER>                                                          1
<INTEREST-TOTAL>                                                      4,060
<INTEREST-DEPOSIT>                                                    1,367
<INTEREST-EXPENSE>                                                    2,078
<INTEREST-INCOME-NET>                                                 1,982
<LOAN-LOSSES>                                                           175
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                       1,654
<INCOME-PRETAX>                                                         700
<INCOME-PRE-EXTRAORDINARY>                                              483
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            483
<EPS-BASIC>                                                           .35
<EPS-DILUTED>                                                           .35
<YIELD-ACTUAL>                                                         4.47
<LOANS-NON>                                                           1,187
<LOANS-PAST>                                                            408
<LOANS-TROUBLED>                                                         62
<LOANS-PROBLEM>                                                       3,672
<ALLOWANCE-OPEN>                                                      1,907
<CHARGE-OFFS>                                                           176
<RECOVERIES>                                                             19
<ALLOWANCE-CLOSE>                                                     1,925
<ALLOWANCE-DOMESTIC>                                                  1,723
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 202