<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