<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-2000
<CASH>                                          15,442
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,447
<INVESTMENTS-CARRYING>                          15,924
<INVESTMENTS-MARKET>                            15,556
<LOANS>                                        306,074
<ALLOWANCE>                                      3,349
<TOTAL-ASSETS>                                 370,779
<DEPOSITS>                                     314,500
<SHORT-TERM>                                    20,543
<LIABILITIES-OTHER>                              3,553
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           347
<OTHER-SE>                                      31,836
<TOTAL-LIABILITIES-AND-EQUITY>                  32,183
<INTEREST-LOAN>                                  6,022
<INTEREST-INVEST>                                  619
<INTEREST-OTHER>                                    29
<INTEREST-TOTAL>                                 6,670
<INTEREST-DEPOSIT>                               2,767
<INTEREST-EXPENSE>                               3,041
<INTEREST-INCOME-NET>                            3,629
<LOAN-LOSSES>                                       39
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,349
<INCOME-PRETAX>                                  1,689
<INCOME-PRE-EXTRAORDINARY>                       1,036
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,036
<EPS-BASIC>                                        .38
<EPS-DILUTED>                                      .38
<YIELD-ACTUAL>                                   4,219
<LOANS-NON>                                        698
<LOANS-PAST>                                        61
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,309
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                3,349
<ALLOWANCE-DOMESTIC>                             3,349
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0