<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               MAR-31-2000             MAR-31-1999
<CASH>                                          29,685                  17,339
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                  81,750
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     36,831                  35,727
<INVESTMENTS-CARRYING>                          46,397                  36,574
<INVESTMENTS-MARKET>                            45,406                  37,027
<LOANS>                                        353,583                 244,251
<ALLOWANCE>                                      5,962                   4,710
<TOTAL-ASSETS>                                 484,404                 421,031
<DEPOSITS>                                     422,212                 371,901
<SHORT-TERM>                                     8,875                       0
<LIABILITIES-OTHER>                              5,339                   5,617
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        38,096                  33,259
<OTHER-SE>                                       9,882                  10,254
<TOTAL-LIABILITIES-AND-EQUITY>                 484,404                 421,031
<INTEREST-LOAN>                                  7,544                   5,475
<INTEREST-INVEST>                                1,199                   1,787
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                 8,743                   7,262
<INTEREST-DEPOSIT>                               2,288                   2,188
<INTEREST-EXPENSE>                                  67                   2,188
<INTEREST-INCOME-NET>                            6,388                   5,074
<LOAN-LOSSES>                                      150                      45
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  4,149                   3,211
<INCOME-PRETAX>                                  2,441                   2,060
<INCOME-PRE-EXTRAORDINARY>                       2,441                   2,060
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,505                   1,275
<EPS-BASIC>                                       0.31                    0.27
<EPS-DILUTED>                                     0.30                    0.26
<YIELD-ACTUAL>                                    0.66                    0.56
<LOANS-NON>                                      1,371                      79
<LOANS-PAST>                                       227                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,840                   4,424
<CHARGE-OFFS>                                      210                       0
<RECOVERIES>                                        64                     241
<ALLOWANCE-CLOSE>                                5,962                   4,710
<ALLOWANCE-DOMESTIC>                             5,962                   4,710
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                   1,367