<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 15,364 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 24,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 140,367 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 140,367 <LOANS> 216,959 <ALLOWANCE> 3,830 <TOTAL-ASSETS> 409,595 <DEPOSITS> 313,634 <SHORT-TERM> 56,024 <LIABILITIES-OTHER> 5,472 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 21,494 <OTHER-SE> 12,971 <TOTAL-LIABILITIES-AND-EQUITY> 409,595 <INTEREST-LOAN> 5,701 <INTEREST-INVEST> 2,305 <INTEREST-OTHER> 217 <INTEREST-TOTAL> 8,223 <INTEREST-DEPOSIT> 1,983 <INTEREST-EXPENSE> 2,685 <INTEREST-INCOME-NET> 5,538 <LOAN-LOSSES> 87 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,417 <INCOME-PRETAX> 3,351 <INCOME-PRE-EXTRAORDINARY> 3,351 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,035 <EPS-BASIC> 0.42 <EPS-DILUTED> 0.41 <YIELD-ACTUAL> .060 <LOANS-NON> 1,033 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,726 <CHARGE-OFFS> 8 <RECOVERIES> 25 <ALLOWANCE-CLOSE> 3,830 <ALLOWANCE-DOMESTIC> 3,830 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0