<ARTICLE> 9 <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> 24,703 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 45,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 44,945 <INVESTMENTS-CARRYING> 3,060 <INVESTMENTS-MARKET> 3,057 <LOANS> 586,727 <ALLOWANCE> 10,615 <TOTAL-ASSETS> 737,208 <DEPOSITS> 578,397 <SHORT-TERM> 5,582 <LIABILITIES-OTHER> 10,629 <LONG-TERM> 80,191 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,630 <OTHER-SE> 48,779 <TOTAL-LIABILITIES-AND-EQUITY> 737,208 <INTEREST-LOAN> 14,682 <INTEREST-INVEST> 859 <INTEREST-OTHER> 44 <INTEREST-TOTAL> 15,585 <INTEREST-DEPOSIT> 5,229 <INTEREST-EXPENSE> 6,061 <INTEREST-INCOME-NET> 9,524 <LOAN-LOSSES> 1,717 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,266 <INCOME-PRETAX> 3,008 <INCOME-PRE-EXTRAORDINARY> 3,008 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,157 <EPS-BASIC> 1.59 <EPS-DILUTED> 1.57 <YIELD-ACTUAL> 5.69 <LOANS-NON> 4,304 <LOANS-PAST> 412 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,121 <ALLOWANCE-OPEN> 10,331 <CHARGE-OFFS> 1,685 <RECOVERIES> 252 <ALLOWANCE-CLOSE> 10,615 <ALLOWANCE-DOMESTIC> 10,615 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0