<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>                                          3,916
<INT-BEARING-DEPOSITS>                             84
<FED-FUNDS-SOLD>                                7,120
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   153,982
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                       267,661
<ALLOWANCE>                                     2,237
<TOTAL-ASSETS>                                451,578
<DEPOSITS>                                    375,696
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                            10,715
<LONG-TERM>                                    27,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        3,780
<OTHER-SE>                                     34,388
<TOTAL-LIABILITIES-AND-EQUITY>                451,578
<INTEREST-LOAN>                                 5,245
<INTEREST-INVEST>                               2,540
<INTEREST-OTHER>                                   13
<INTEREST-TOTAL>                                7,798
<INTEREST-DEPOSIT>                              3,233
<INTEREST-EXPENSE>                                405
<INTEREST-INCOME-NET>                           4,160
<LOAN-LOSSES>                                      75
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 2,431
<INCOME-PRETAX>                                 2,433
<INCOME-PRE-EXTRAORDINARY>                      2,433
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,652
<EPS-BASIC>                                       .55
<EPS-DILUTED>                                     .55
<YIELD-ACTUAL>                                      0
<LOANS-NON>                                         0
<LOANS-PAST>                                    1,656
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                2,366
<CHARGE-OFFS>                                     209
<RECOVERIES>                                        5
<ALLOWANCE-CLOSE>                               2,237
<ALLOWANCE-DOMESTIC>                            2,237
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0