<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                       
<PERIOD-TYPE>                                 3-MOS
<FISCAL-YEAR-END>                             DEC-31-1999
<PERIOD-END>                                  MAR-31-2000
<CASH>                                         16,661
<INT-BEARING-DEPOSITS>                            547
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   162,091
<INVESTMENTS-CARRYING>                        378,234
<INVESTMENTS-MARKET>                          370,401
<LOANS>                                       296,602
<ALLOWANCE>                                     1,887
<TOTAL-ASSETS>                                726,434
<DEPOSITS>                                    408,597
<SHORT-TERM>                                   51,882
<LIABILITIES-OTHER>                             9,497
<LONG-TERM>                                   208,007
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          529
<OTHER-SE>                                     47,922
<TOTAL-LIABILITIES-AND-EQUITY>                726,434
<INTEREST-LOAN>                                 5,556
<INTEREST-INVEST>                               6,401
<INTEREST-OTHER>                                   72
<INTEREST-TOTAL>                               12,029
<INTEREST-DEPOSIT>                              3,576
<INTEREST-EXPENSE>                              7,179
<INTEREST-INCOME-NET>                           4,850
<LOAN-LOSSES>                                      44
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 3,624
<INCOME-PRETAX>                                 1,556
<INCOME-PRE-EXTRAORDINARY>                      1,556
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,029
<EPS-BASIC>                                       .40
<EPS-DILUTED>                                     .39
<YIELD-ACTUAL>                                   2.82
<LOANS-NON>                                         0
<LOANS-PAST>                                    2,183
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,970
<CHARGE-OFFS>                                     132
<RECOVERIES>                                       (5)
<ALLOWANCE-CLOSE>                               1,887
<ALLOWANCE-DOMESTIC>                            1,887
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         1,887