<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Consolidated Balance Sheet and the Consolidated Statement of Income filed as part of the annual report on Form 10-K and is qualified in its entirety by reference to such annual report on Form 10-K. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 13,248 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 32,099 <INVESTMENTS-CARRYING> 12,190 <INVESTMENTS-MARKET> 11,760 <LOANS> 454,080 <ALLOWANCE> 3,780 <TOTAL-ASSETS> 547,395 <DEPOSITS> 378,879 <SHORT-TERM> 0 <LIABILITIES-OTHER> 9,147 <LONG-TERM> 61,557 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 58 <OTHER-SE> 97,754 <TOTAL-LIABILITIES-AND-EQUITY> 547,395 <INTEREST-LOAN> 8,706 <INTEREST-INVEST> 810 <INTEREST-OTHER> 22 <INTEREST-TOTAL> 9,537 <INTEREST-DEPOSIT> 3,922 <INTEREST-EXPENSE> 815 <INTEREST-INCOME-NET> 4,800 <LOAN-LOSSES> 171 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,179 <INCOME-PRETAX> 2,284 <INCOME-PRE-EXTRAORDINARY> 1,508 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,508 <EPS-BASIC> .28 <EPS-DILUTED> .28 <YIELD-ACTUAL> 3.84 <LOANS-NON> 361 <LOANS-PAST> 55 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,846 <ALLOWANCE-OPEN> 3,652 <CHARGE-OFFS> 64 <RECOVERIES> 21 <ALLOWANCE-CLOSE> 3,780 <ALLOWANCE-DOMESTIC> 3,780 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 379