<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