<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          13,138
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,192
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        201,059
<ALLOWANCE>                                      2,149
<TOTAL-ASSETS>                                 283,399
<DEPOSITS>                                     231,526
<SHORT-TERM>                                    10,328
<LIABILITIES-OTHER>                              4,876
<LONG-TERM>                                     15,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,593
<OTHER-SE>                                      17,076
<TOTAL-LIABILITIES-AND-EQUITY>                 283,399
<INTEREST-LOAN>                                  4,649
<INTEREST-INVEST>                                  783
<INTEREST-OTHER>                                     2
<INTEREST-TOTAL>                                 5,434
<INTEREST-DEPOSIT>                               2,034
<INTEREST-EXPENSE>                               2,346
<INTEREST-INCOME-NET>                            3,088
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                  2,606
<INCOME-PRETAX>                                  1,026
<INCOME-PRE-EXTRAORDINARY>                       1,026
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       757
<EPS-BASIC>                                       0.39
<EPS-DILUTED>                                     0.39
<YIELD-ACTUAL>                                    5.17
<LOANS-NON>                                        254
<LOANS-PAST>                                     1,217
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,724
<ALLOWANCE-OPEN>                                 2,132
<CHARGE-OFFS>                                      171
<RECOVERIES>                                        38
<ALLOWANCE-CLOSE>                                2,149
<ALLOWANCE-DOMESTIC>                             1,563
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            586