<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-31-2000
<PERIOD-END>                                  MAR-31-2000
<CASH>                                          7,739
<INT-BEARING-DEPOSITS>                         25,959
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   326,781
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                       173,744
<ALLOWANCE>                                     1,380
<TOTAL-ASSETS>                                574,541
<DEPOSITS>                                    312,879
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                           187,078
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          900
<OTHER-SE>                                     73,641
<TOTAL-LIABILITIES-AND-EQUITY>                574,541
<INTEREST-LOAN>                                 3,331
<INTEREST-INVEST>                               6,216
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                9,547
<INTEREST-DEPOSIT>                              3,284
<INTEREST-EXPENSE>                              5,730
<INTEREST-INCOME-NET>                           3,817
<LOAN-LOSSES>                                     120
<SECURITIES-GAINS>                                173
<EXPENSE-OTHER>                                 2,358
<INCOME-PRETAX>                                 1,677
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,305
<EPS-BASIC>                                       .18
<EPS-DILUTED>                                     .18
<YIELD-ACTUAL>                                   2.93
<LOANS-NON>                                       283
<LOANS-PAST>                                      283
<LOANS-TROUBLED>                                   93
<LOANS-PROBLEM>                                 1,854
<ALLOWANCE-OPEN>                                1,234
<CHARGE-OFFS>                                       0
<RECOVERIES>                                       25
<ALLOWANCE-CLOSE>                               1,380
<ALLOWANCE-DOMESTIC>                                0
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0