<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