<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 25,275 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,570 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 294,597 <INVESTMENTS-CARRYING> 47,821 <INVESTMENTS-MARKET> 47,795 <LOANS> 423,743 <ALLOWANCE> 10,265 <TOTAL-ASSETS> 809,602 <DEPOSITS> 678,368 <SHORT-TERM> 0 <LIABILITIES-OTHER> 7,532 <LONG-TERM> 41,056 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7 <OTHER-SE> 82,639 <TOTAL-LIABILITIES-AND-EQUITY> 809,602 <INTEREST-LOAN> 9,679 <INTEREST-INVEST> 5,335 <INTEREST-OTHER> 48 <INTEREST-TOTAL> 15,062 <INTEREST-DEPOSIT> 4,591 <INTEREST-EXPENSE> 5,220 <INTEREST-INCOME-NET> 9,842 <LOAN-LOSSES> 500 <SECURITIES-GAINS> (180) <EXPENSE-OTHER> 6,735 <INCOME-PRETAX> 4,336 <INCOME-PRE-EXTRAORDINARY> 2,714 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,714 <EPS-BASIC> 3.92 <EPS-DILUTED> 0 <YIELD-ACTUAL> 7.92 <LOANS-NON> 1,892 <LOANS-PAST> 3 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,787 <CHARGE-OFFS> 86 <RECOVERIES> 64 <ALLOWANCE-CLOSE> 10,265 <ALLOWANCE-DOMESTIC> 10,265 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,903