<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> 15,519 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 80,737 <INVESTMENTS-CARRYING> 6,772 <INVESTMENTS-MARKET> 6,737 <LOANS> 280,060 <ALLOWANCE> 3,336 <TOTAL-ASSETS> 401,110 <DEPOSITS> 357,027 <SHORT-TERM> 2,000 <LIABILITIES-OTHER> 4,479 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 25,894 <OTHER-SE> 11,710 <TOTAL-LIABILITIES-AND-EQUITY> 37,604 <INTEREST-LOAN> 5,740 <INTEREST-INVEST> 1,241 <INTEREST-OTHER> 40 <INTEREST-TOTAL> 7,021 <INTEREST-DEPOSIT> 3,275 <INTEREST-EXPENSE> 3,294 <INTEREST-INCOME-NET> 3,727 <LOAN-LOSSES> 50 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,247 <INCOME-PRETAX> 1,340 <INCOME-PRE-EXTRAORDINARY> 1,340 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 996 <EPS-BASIC> 0.33 <EPS-DILUTED> 0.33 <YIELD-ACTUAL> 7.80 <LOANS-NON> 282 <LOANS-PAST> 782 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,210 <CHARGE-OFFS> 36 <RECOVERIES> 112 <ALLOWANCE-CLOSE> 3,336 <ALLOWANCE-DOMESTIC> 3,336 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 3,336