<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 19,822 <INT-BEARING-DEPOSITS> 10,458 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 51,316 <INVESTMENTS-CARRYING> 706 <INVESTMENTS-MARKET> 701 <LOANS> 423,746 <ALLOWANCE> 4,307 <TOTAL-ASSETS> 533,040 <DEPOSITS> 465,473 <SHORT-TERM> 1,700 <LIABILITIES-OTHER> 4,269 <LONG-TERM> 684 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 49,646 <OTHER-SE> 11,268 <TOTAL-LIABILITIES-AND-EQUITY> 533,040 <INTEREST-LOAN> 10,333 <INTEREST-INVEST> 803 <INTEREST-OTHER> 102 <INTEREST-TOTAL> 11,238 <INTEREST-DEPOSIT> 4,263 <INTEREST-EXPENSE> 4,311 <INTEREST-INCOME-NET> 6,927 <LOAN-LOSSES> 337 <SECURITIES-GAINS> (6) <EXPENSE-OTHER> 5,220 <INCOME-PRETAX> 2,413 <INCOME-PRE-EXTRAORDINARY> 2,413 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,790 <EPS-BASIC> 0.24 <EPS-DILUTED> 0.24 <YIELD-ACTUAL> 5.79 <LOANS-NON> 6,410 <LOANS-PAST> 390 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,349 <CHARGE-OFFS> 402 <RECOVERIES> 23 <ALLOWANCE-CLOSE> 4,307 <ALLOWANCE-DOMESTIC> 4,307 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0