<ARTICLE> 9
<MULTIPLIER>    1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           5,673
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                10,315
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     32,982
<INVESTMENTS-CARRYING>                          27,873
<INVESTMENTS-MARKET>                            26,746
<LOANS>                                        196,280
<ALLOWANCE>                                      1,801
<TOTAL-ASSETS>                                 280,950
<DEPOSITS>                                     216,245
<SHORT-TERM>                                    43,000
<LIABILITIES-OTHER>                              4,072
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           253
<OTHER-SE>                                      17,380
<TOTAL-LIABILITIES-AND-EQUITY>                 280,950
<INTEREST-LOAN>                                  3,505
<INTEREST-INVEST>                                1,141
<INTEREST-OTHER>                                    29
<INTEREST-TOTAL>                                 4,675
<INTEREST-DEPOSIT>                               1,844
<INTEREST-EXPENSE>                               2,477
<INTEREST-INCOME-NET>                            2,198
<LOAN-LOSSES>                                       15
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  1,758
<INCOME-PRETAX>                                    853
<INCOME-PRE-EXTRAORDINARY>                         747
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       747
<EPS-BASIC>                                        .30
<EPS-DILUTED>                                      .29
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                         31
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,798
<CHARGE-OFFS>                                       25
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                1,801
<ALLOWANCE-DOMESTIC>                             1,801
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0