<ARTICLE>           9
<MULTIPLIER>        1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          28,174
<INT-BEARING-DEPOSITS>                          51,000
<FED-FUNDS-SOLD>                                 5,624
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     71,755
<INVESTMENTS-CARRYING>                          22,550
<INVESTMENTS-MARKET>                            22,353
<LOANS>                                        320,378
<ALLOWANCE>                                      4,409
<TOTAL-ASSETS>                                 514,904
<DEPOSITS>                                     171,931
<SHORT-TERM>                                       200
<LIABILITIES-OTHER>                            288,860
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                      51,913
<TOTAL-LIABILITIES-AND-EQUITY>                 514,904
<INTEREST-LOAN>                                  6,157
<INTEREST-INVEST>                                1,386
<INTEREST-OTHER>                                   862
<INTEREST-TOTAL>                                 8,405
<INTEREST-DEPOSIT>                                 954
<INTEREST-EXPENSE>                                 956
<INTEREST-INCOME-NET>                            7,449
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,179
<INCOME-PRETAX>                                  2,925
<INCOME-PRE-EXTRAORDINARY>                       2,925
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,856
<EPS-BASIC>                                      .51
<EPS-DILUTED>                                      .50
<YIELD-ACTUAL>                                    6.60
<LOANS-NON>                                        167
<LOANS-PAST>                                         6
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    178
<ALLOWANCE-OPEN>                                 4,282
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        27
<ALLOWANCE-CLOSE>                                4,409
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>TO BE DOCUMENTED IN THE DEC-31-2000 STATEMENTS.