<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 18,408 <INT-BEARING-DEPOSITS> 8,347 <FED-FUNDS-SOLD> 1,146 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 92,597 <INVESTMENTS-CARRYING> 67,243 <INVESTMENTS-MARKET> 62,577 <LOANS> 347,340 <ALLOWANCE> 3,558 <TOTAL-ASSETS> 545,389 <DEPOSITS> 457,286 <SHORT-TERM> 23,781 <LIABILITIES-OTHER> 5,044 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 14,223 <OTHER-SE> 45,055 <TOTAL-LIABILITIES-AND-EQUITY> 545,389 <INTEREST-LOAN> 6,827 <INTEREST-INVEST> 2,628 <INTEREST-OTHER> 126 <INTEREST-TOTAL> 9,581 <INTEREST-DEPOSIT> 3,621 <INTEREST-EXPENSE> 3,938 <INTEREST-INCOME-NET> 5,643 <LOAN-LOSSES> 60 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,297 <INCOME-PRETAX> 2,928 <INCOME-PRE-EXTRAORDINARY> 2,928 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,983 <EPS-BASIC> .35 <EPS-DILUTED> .35 <YIELD-ACTUAL> 4.35 <LOANS-NON> 1,449 <LOANS-PAST> 1,457 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,906 <ALLOWANCE-OPEN> 3,543 <CHARGE-OFFS> 63 <RECOVERIES> 18 <ALLOWANCE-CLOSE> 3,558 <ALLOWANCE-DOMESTIC> 3,558 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0