<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> 15,220 <INT-BEARING-DEPOSITS> 352 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 135,628 <INVESTMENTS-CARRYING> 6,312 <INVESTMENTS-MARKET> 6,328 <LOANS> 373,273 <ALLOWANCE> 3,855 <TOTAL-ASSETS> 563,612 <DEPOSITS> 483,302 <SHORT-TERM> 1,870 <LIABILITIES-OTHER> 5,202 <LONG-TERM> 25,695 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,694 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 563,612 <INTEREST-LOAN> 7,874 <INTEREST-INVEST> 2,070 <INTEREST-OTHER> 25 <INTEREST-TOTAL> 9,969 <INTEREST-DEPOSIT> 4,474 <INTEREST-EXPENSE> 208 <INTEREST-INCOME-NET> 4,682 <LOAN-LOSSES> 180 <SECURITIES-GAINS> (41) <EXPENSE-OTHER> 4,332 <INCOME-PRETAX> 1,687 <INCOME-PRE-EXTRAORDINARY> 1,247 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,247 <EPS-BASIC> 0.34 <EPS-DILUTED> 0.34 <YIELD-ACTUAL> 7.96 <LOANS-NON> 855 <LOANS-PAST> 1,029 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,890 <CHARGE-OFFS> 240 <RECOVERIES> 25 <ALLOWANCE-CLOSE> 3,855 <ALLOWANCE-DOMESTIC> 3,855 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0