<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> 18,443 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 79,008 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 318,690 <ALLOWANCE> 3,623 <TOTAL-ASSETS> 435,931 <DEPOSITS> 369,269 <SHORT-TERM> 14,800 <LIABILITIES-OTHER> 2,756 <LONG-TERM> 7,624 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,947 <OTHER-SE> 17,535 <TOTAL-LIABILITIES-AND-EQUITY> 435,931 <INTEREST-LOAN> 6,756 <INTEREST-INVEST> 1,163 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 7,919 <INTEREST-DEPOSIT> 3,202 <INTEREST-EXPENSE> 3,572 <INTEREST-INCOME-NET> 4,347 <LOAN-LOSSES> 354 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,983 <INCOME-PRETAX> 1,683 <INCOME-PRE-EXTRAORDINARY> 1,683 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,235 <EPS-BASIC> 0.64 <EPS-DILUTED> 0.64 <YIELD-ACTUAL> 4.60 <LOANS-NON> 1,283 <LOANS-PAST> 182 <LOANS-TROUBLED> 134 <LOANS-PROBLEM> 194 <ALLOWANCE-OPEN> 3,300 <CHARGE-OFFS> 78 <RECOVERIES> 47 <ALLOWANCE-CLOSE> 3,623 <ALLOWANCE-DOMESTIC> 2,804 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 819