<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> 24,614 <INT-BEARING-DEPOSITS> 850 <FED-FUNDS-SOLD> 11,440 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 134,561 <INVESTMENTS-CARRYING> 33,945 <INVESTMENTS-MARKET> 33,155 <LOANS> 347,730 <ALLOWANCE> 6,792 <TOTAL-ASSETS> 586,885 <DEPOSITS> 511,928 <SHORT-TERM> 16,200 <LIABILITIES-OTHER> 4,298 <LONG-TERM> 9,195 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 35,743 <OTHER-SE> 9,521 <TOTAL-LIABILITIES-AND-EQUITY> 586,885 <INTEREST-LOAN> 8,479 <INTEREST-INVEST> 2,668 <INTEREST-OTHER> 86 <INTEREST-TOTAL> 11,233 <INTEREST-DEPOSIT> 3,948 <INTEREST-EXPENSE> 4,304 <INTEREST-INCOME-NET> 6,929 <LOAN-LOSSES> 763 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,143 <INCOME-PRETAX> 2,170 <INCOME-PRE-EXTRAORDINARY> 1,514 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,514 <EPS-BASIC> 0.34 <EPS-DILUTED> 0.33 <YIELD-ACTUAL> 5.48 <LOANS-NON> 1,609 <LOANS-PAST> 705 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,542 <CHARGE-OFFS> 607 <RECOVERIES> 94 <ALLOWANCE-CLOSE> 6,792 <ALLOWANCE-DOMESTIC> 6,792 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0