WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  



<ARTICLE> 9
<MULTIPLIER> 1,000
[LEGEND]
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM *MARCH 31,
2000 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
[/LEGEND]

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          11,329
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     67,052
<INVESTMENTS-CARRYING>                          52,504
<INVESTMENTS-MARKET>                            51,592
<LOANS>                                        440,699
<ALLOWANCE>                                    (3,413)
<TOTAL-ASSETS>                                 600,801
<DEPOSITS>                                     474,179
<SHORT-TERM>                                    32,369
<LIABILITIES-OTHER>                              2,576
<LONG-TERM>                                     52,441
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,427
<OTHER-SE>                                      36,809
<TOTAL-LIABILITIES-AND-EQUITY>                 600,801
<INTEREST-LOAN>                                  8,550
<INTEREST-INVEST>                                1,819
<INTEREST-OTHER>                                   128
<INTEREST-TOTAL>                                10,497
<INTEREST-DEPOSIT>                               4,361
<INTEREST-EXPENSE>                               5,652
<INTEREST-INCOME-NET>                            4,845
<LOAN-LOSSES>                                      354
<SECURITIES-GAINS>                                (25)
<EXPENSE-OTHER>                                  4,259
<INCOME-PRETAX>                                  1,177
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       715
<EPS-BASIC>                                        .31
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                    3.50
<LOANS-NON>                                      2,993
<LOANS-PAST>                                       103
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,269
<CHARGE-OFFS>                                      239
<RECOVERIES>                                        29
<ALLOWANCE-CLOSE>                                3,413
<ALLOWANCE-DOMESTIC>                             3,413
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0