<ARTICLE> 9
<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               MAR-31-2000             MAR-31-1999
<CASH>                                          16,396                  12,702
<INT-BEARING-DEPOSITS>                             378                  19,406
<FED-FUNDS-SOLD>                                   900                  15,500
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<INVESTMENTS-MARKET>                             5,757                  11,208
<LOANS>                                        439,979                 330,701
<ALLOWANCE>                                      4,475                   4,086
<TOTAL-ASSETS>                                 530,957                 457,142
<DEPOSITS>                                     414,010                 348,404
<SHORT-TERM>                                    18,165                      10
<LIABILITIES-OTHER>                              6,982                   6,942
<LONG-TERM>                                          0                     687
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<PREFERRED>                                          0                       0
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<OTHER-SE>                                      26,104                  23,577
<TOTAL-LIABILITIES-AND-EQUITY>                 530,957                 457,142
<INTEREST-LOAN>                                  9,583                   7,492
<INTEREST-INVEST>                                  658                     756
<INTEREST-OTHER>                                    48                     460
<INTEREST-TOTAL>                                10,289                   8,708
<INTEREST-DEPOSIT>                               3,964                   3,238
<INTEREST-EXPENSE>                               3,997                   3,249
<INTEREST-INCOME-NET>                            6,292                   5,459
<LOAN-LOSSES>                                      195                     102
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  4,813                   4,702
<INCOME-PRETAX>                                  2,164                   1,743
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<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,460                   1,107
<EPS-BASIC>                                      0.148                   0.102
<EPS-DILUTED>                                    0.146                   0.100
<YIELD-ACTUAL>                                    8.78                    8.39
<LOANS-NON>                                      1,803                     305
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  2,578                   1,990
<ALLOWANCE-OPEN>                                 4,263                   3,957
<CHARGE-OFFS>                                       11                       3
<RECOVERIES>                                        28                      30
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<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                             89                     270