<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> 4,340 <INT-BEARING-DEPOSITS> 372 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 14,393 <INVESTMENTS-CARRYING> 36,541 <INVESTMENTS-MARKET> 35,981 <LOANS> 772,963 <ALLOWANCE> 4,062 <TOTAL-ASSETS> 866,068 <DEPOSITS> 567,693 <SHORT-TERM> 73,781 <LIABILITIES-OTHER> 9,463 <LONG-TERM> 137,703 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 77,428 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 866,068 <INTEREST-LOAN> 13,645 <INTEREST-INVEST> 951 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 14,596 <INTEREST-DEPOSIT> 6,159 <INTEREST-EXPENSE> 9,152 <INTEREST-INCOME-NET> 5,444 <LOAN-LOSSES> 165 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,836 <INCOME-PRETAX> 2,451 <INCOME-PRE-EXTRAORDINARY> 1,656 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,656 <EPS-BASIC> .19 <EPS-DILUTED> .19 <YIELD-ACTUAL> 2.67 <LOANS-NON> 233 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,910 <CHARGE-OFFS> 21 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 4,062 <ALLOWANCE-DOMESTIC> 4,062 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0