<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED STATEMENTS OF FINANCIAL CONDITION AND CONSOLIDATED
CONDENSED STATEMENTS OF INCOME FOUND ON PAGES 2 AND 3 OF THE COMPANY'S FORM 10-Q
FOR THE PERIOD ENDED MARCH 31, 2000 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>                                          33,738
<INT-BEARING-DEPOSITS>                             591
<FED-FUNDS-SOLD>                                21,325
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    173,966
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        401,098
<ALLOWANCE>                                      6,225
<TOTAL-ASSETS>                                 643,322
<DEPOSITS>                                     591,859
<SHORT-TERM>                                        31
<LIABILITIES-OTHER>                              3,918
<LONG-TERM>                                        770
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,738
<OTHER-SE>                                      12,006
<TOTAL-LIABILITIES-AND-EQUITY>                 643,322
<INTEREST-LOAN>                                  9,934
<INTEREST-INVEST>                                2,598
<INTEREST-OTHER>                                   390
<INTEREST-TOTAL>                                12,922
<INTEREST-DEPOSIT>                               4,108
<INTEREST-EXPENSE>                               4,127
<INTEREST-INCOME-NET>                            8,795
<LOAN-LOSSES>                                      752
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,539
<INCOME-PRETAX>                                  3,034
<INCOME-PRE-EXTRAORDINARY>                       1,847
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,847
<EPS-BASIC>                                        .27
<EPS-DILUTED>                                      .26
<YIELD-ACTUAL>                                    5.93
<LOANS-NON>                                      3,788
<LOANS-PAST>                                     1,296
<LOANS-TROUBLED>                                    51
<LOANS-PROBLEM>                                    498
<ALLOWANCE-OPEN>                                 5,412
<CHARGE-OFFS>                                       45
<RECOVERIES>                                       105
<ALLOWANCE-CLOSE>                                6,225
<ALLOWANCE-DOMESTIC>                             6,225
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0