<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS YEAR <FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999 <PERIOD-START> JAN-01-2000 JAN-01-1999 <PERIOD-END> MAR-31-2000 DEC-31-1999 <CASH> 11,783 8,428 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 47,810 120 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 171,810 164,409 <INVESTMENTS-CARRYING> 0 0 <INVESTMENTS-MARKET> 0 0 <LOANS> 278,160 227,570 <ALLOWANCE> 3,475 2,775 <TOTAL-ASSETS> 518,463 408,579 <DEPOSITS> 444,905 287,068 <SHORT-TERM> 0 46,267 <LIABILITIES-OTHER> 2,602 2,332 <LONG-TERM> 2,089 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 77 77 <OTHER-SE> 68,790 72,835 <TOTAL-LIABILITIES-AND-EQUITY> 518,463 408,579 <INTEREST-LOAN> 5,463 8,293 <INTEREST-INVEST> 2,813 5,560 <INTEREST-OTHER> 310 561 <INTEREST-TOTAL> 8,586 14,414 <INTEREST-DEPOSIT> 4,484 5,563 <INTEREST-EXPENSE> 4,907 6,166 <INTEREST-INCOME-NET> 3,679 8,248 <LOAN-LOSSES> 700 2,687 <SECURITIES-GAINS> 0 (1) <EXPENSE-OTHER> 6,286 15,217 <INCOME-PRETAX> (2,970) (9,298) <INCOME-PRE-EXTRAORDINARY> (2,970) (9,298) <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> (2,970) (9,298) <EPS-BASIC> (.39) (1.23) <EPS-DILUTED> (.39) (1.23) <YIELD-ACTUAL> .034 .041 <LOANS-NON> 0 0 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 2,775 100 <CHARGE-OFFS> 0 12 <RECOVERIES> 0 0 <ALLOWANCE-CLOSE> 3,475 2,775 <ALLOWANCE-DOMESTIC> 3,475 2,775 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0