<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>                                         16,629
<INT-BEARING-DEPOSITS>                         36,926
<FED-FUNDS-SOLD>                               10,632
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    89,924
<INVESTMENTS-CARRYING>                         93,685
<INVESTMENTS-MARKET>                           89,924
<LOANS>                                       521,188
<ALLOWANCE>                                    (5,670)
<TOTAL-ASSETS>                                656,981
<DEPOSITS>                                    578,557
<SHORT-TERM>                                   10,828
<LIABILITIES-OTHER>                             4,984
<LONG-TERM>                                    12,500
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        4,590
<OTHER-SE>                                     44,358
<TOTAL-LIABILITIES-AND-EQUITY>                656,981
<INTEREST-LOAN>                                 9,475
<INTEREST-INVEST>                               1,385
<INTEREST-OTHER>                                  387
<INTEREST-TOTAL>                               11,247
<INTEREST-DEPOSIT>                              6,055
<INTEREST-EXPENSE>                              6,351
<INTEREST-INCOME-NET>                           4,896
<LOAN-LOSSES>                                     311
<SECURITIES-GAINS>                                 95
<EXPENSE-OTHER>                                 4,037
<INCOME-PRETAX>                                 1,270
<INCOME-PRE-EXTRAORDINARY>                      1,270
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      849
<EPS-BASIC>                                      0.18
<EPS-DILUTED>                                    0.18
<YIELD-ACTUAL>                                   8.06
<LOANS-NON>                                     1,222
<LOANS-PAST>                                      355
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                   228
<ALLOWANCE-OPEN>                                4,510
<CHARGE-OFFS>                                      20
<RECOVERIES>                                        5
<ALLOWANCE-CLOSE>                               5,670
<ALLOWANCE-DOMESTIC>                                0
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           265