<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q FOR THE THREE MONTHS ENDED MARCH 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO THE UNAUDITED FINANCIAL STATEMENTS CONTAINED THEREIN.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           1,301
<INT-BEARING-DEPOSITS>                          10,298
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     76,151
<INVESTMENTS-CARRYING>                             647
<INVESTMENTS-MARKET>                               656
<LOANS>                                        437,163
<ALLOWANCE>                                    (5,695)
<TOTAL-ASSETS>                                 537,078
<DEPOSITS>                                     357,405
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             14,190
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           103
<OTHER-SE>                                     165,380
<TOTAL-LIABILITIES-AND-EQUITY>                 537,078
<INTEREST-LOAN>                                  8,233
<INTEREST-INVEST>                                1,389
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 9,622
<INTEREST-DEPOSIT>                               4,171
<INTEREST-EXPENSE>                               4,249
<INTEREST-INCOME-NET>                            5,373
<LOAN-LOSSES>                                       25
<SECURITIES-GAINS>                                (22)
<EXPENSE-OTHER>                                  2,071
<INCOME-PRETAX>                                  3,343
<INCOME-PRE-EXTRAORDINARY>                       3,343
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,080
<EPS-BASIC>                                       0.22
<EPS-DILUTED>                                     0.22
<YIELD-ACTUAL>                                    7.28
<LOANS-NON>                                      1,973
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,041
<LOANS-PROBLEM>                                  2,711
<ALLOWANCE-OPEN>                                 5,689
<CHARGE-OFFS>                                       19
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                5,695
<ALLOWANCE-DOMESTIC>                             3,304
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,391