<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 7,338 <INT-BEARING-DEPOSITS> 196 <FED-FUNDS-SOLD> 4 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 46,489 <INVESTMENTS-CARRYING> 13,718 <INVESTMENTS-MARKET> 13,316 <LOANS> 197,461 <ALLOWANCE> 2,237 <TOTAL-ASSETS> 270,315 <DEPOSITS> 208,027 <SHORT-TERM> 16,436 <LIABILITIES-OTHER> 1,532 <LONG-TERM> 23,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 19,515 <TOTAL-LIABILITIES-AND-EQUITY> 270,315 <INTEREST-LOAN> 4,019 <INTEREST-INVEST> 871 <INTEREST-OTHER> 17 <INTEREST-TOTAL> 4,907 <INTEREST-DEPOSIT> 2,057 <INTEREST-EXPENSE> 2,576 <INTEREST-INCOME-NET> 2,331 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,698 <INCOME-PRETAX> 810 <INCOME-PRE-EXTRAORDINARY> 810 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 574 <EPS-BASIC> .65 <EPS-DILUTED> .65 <YIELD-ACTUAL> 3.57 <LOANS-NON> 869 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,904 <ALLOWANCE-OPEN> 2,099 <CHARGE-OFFS> 17 <RECOVERIES> 5 <ALLOWANCE-CLOSE> 2,237 <ALLOWANCE-DOMESTIC> 2,237 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0