<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-2000 <CASH> 7,199 <INT-BEARING-DEPOSITS> 254 <FED-FUNDS-SOLD> 2,823 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 65,384 <INVESTMENTS-CARRYING> 65,384 <INVESTMENTS-MARKET> 65,384 <LOANS> 185,670 <ALLOWANCE> 2,523 <TOTAL-ASSETS> 277,347 <DEPOSITS> 205,910 <SHORT-TERM> 25,543 <LIABILITIES-OTHER> 2,622 <LONG-TERM> 20,815 <COMMON> 231 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 22,457 <TOTAL-LIABILITIES-AND-EQUITY> 277,347 <INTEREST-LOAN> 3,918 <INTEREST-INVEST> 1,013 <INTEREST-OTHER> 57 <INTEREST-TOTAL> 4,988 <INTEREST-DEPOSIT> 1,718 <INTEREST-EXPENSE> 2,293 <INTEREST-INCOME-NET> 2,695 <LOAN-LOSSES> 75 <SECURITIES-GAINS> (2) <EXPENSE-OTHER> 2,137 <INCOME-PRETAX> 1,284 <INCOME-PRE-EXTRAORDINARY> 949 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 949 <EPS-BASIC> .43 <EPS-DILUTED> .43 <YIELD-ACTUAL> 4.58 <LOANS-NON> 45 <LOANS-PAST> 2,109 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,455 <CHARGE-OFFS> 8 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 2,523 <ALLOWANCE-DOMESTIC> 2,523 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0