<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH 31, 2000 BALANCE SHEET AND INCOME STATEMENT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-Q. </LEGEND> <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <EXCHANGE-RATE> 1 <CASH> 10,206 <INT-BEARING-DEPOSITS> 8,181 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 74,939 <INVESTMENTS-CARRYING> 6,794 <INVESTMENTS-MARKET> 7,034 <LOANS> 310,354 <ALLOWANCE> 4,396 <TOTAL-ASSETS> 416,403 <DEPOSITS> 369,557 <SHORT-TERM> 4,546 <LIABILITIES-OTHER> 6,278 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 809 <OTHER-SE> 35,213 <TOTAL-LIABILITIES-AND-EQUITY> 416,403 <INTEREST-LOAN> 6,294 <INTEREST-INVEST> 1,501 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 7,795 <INTEREST-DEPOSIT> 2,294 <INTEREST-EXPENSE> 3,073 <INTEREST-INCOME-NET> 4,722 <LOAN-LOSSES> 114 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,738 <INCOME-PRETAX> 2,168 <INCOME-PRE-EXTRAORDINARY> 2,168 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,476 <EPS-BASIC> .20 <EPS-DILUTED> .20 <YIELD-ACTUAL> 4.84 <LOANS-NON> 76 <LOANS-PAST> 593 <LOANS-TROUBLED> 431 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,271 <CHARGE-OFFS> 5 <RECOVERIES> 16 <ALLOWANCE-CLOSE> 4,396 <ALLOWANCE-DOMESTIC> 4,396 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0