<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> 10,006 <INT-BEARING-DEPOSITS> 12,444 <FED-FUNDS-SOLD> 12,880 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 61,306 <INVESTMENTS-CARRYING> 735 <INVESTMENTS-MARKET> 718 <LOANS> 341,168 <ALLOWANCE> 4,728 <TOTAL-ASSETS> 458,032 <DEPOSITS> 390,470 <SHORT-TERM> 11,856 <LIABILITIES-OTHER> 3,562 <LONG-TERM> 16,049 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,440 <OTHER-SE> 31,655 <TOTAL-LIABILITIES-AND-EQUITY> 458,032 <INTEREST-LOAN> 7,992 <INTEREST-INVEST> 914 <INTEREST-OTHER> 366 <INTEREST-TOTAL> 9,272 <INTEREST-DEPOSIT> 4,357 <INTEREST-EXPENSE> 4,781 <INTEREST-INCOME-NET> 4,491 <LOAN-LOSSES> 477 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,082 <INCOME-PRETAX> 1,779 <INCOME-PRE-EXTRAORDINARY> 1,779 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,213 <EPS-BASIC> 0.27 <EPS-DILUTED> 0.27 <YIELD-ACTUAL> 4.38 <LOANS-NON> 5,351 <LOANS-PAST> 1,195 <LOANS-TROUBLED> 230 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,682 <CHARGE-OFFS> 499 <RECOVERIES> 68 <ALLOWANCE-CLOSE> 4,728 <ALLOWANCE-DOMESTIC> 4,728 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0