<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 14,762 <INT-BEARING-DEPOSITS> 1,032 <FED-FUNDS-SOLD> 129 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 81,122 <INVESTMENTS-CARRYING> 11,716 <INVESTMENTS-MARKET> 11,296 <LOANS> 440,321 <ALLOWANCE> 3,820 <TOTAL-ASSETS> 570,347 <DEPOSITS> 478,744 <SHORT-TERM> 34,227 <LIABILITIES-OTHER> 1,940 <LONG-TERM> 7,000 <PREFERRED-MANDATORY> 17,000 <PREFERRED> 0 <COMMON> 31,436 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 570,347 <INTEREST-LOAN> 8,692 <INTEREST-INVEST> 1,523 <INTEREST-OTHER> 68 <INTEREST-TOTAL> 10,283 <INTEREST-DEPOSIT> 4,348 <INTEREST-EXPENSE> 5,295 <INTEREST-INCOME-NET> 4,988 <LOAN-LOSSES> 65 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,076 <INCOME-PRETAX> 1,425 <INCOME-PRE-EXTRAORDINARY> 1,425 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 901 <EPS-BASIC> .21 <EPS-DILUTED> .21 <YIELD-ACTUAL> 3.77 <LOANS-NON> 996 <LOANS-PAST> 381 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,377 <ALLOWANCE-OPEN> 3,908 <CHARGE-OFFS> 159 <RECOVERIES> 6 <ALLOWANCE-CLOSE> 3,820 <ALLOWANCE-DOMESTIC> 3,820 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0