<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>                                                                    13,081
<INT-BEARING-DEPOSITS>                                                     5,796
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
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<INVESTMENTS-MARKET>                                                      22,853
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<ALLOWANCE>                                                                2,605
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<LIABILITIES-OTHER>                                                        9,375
<LONG-TERM>                                                                    0
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<PREFERRED>                                                                    0
<COMMON>                                                                   7,058
<OTHER-SE>                                                                68,128
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<INTEREST-LOAN>                                                           16,669
<INTEREST-INVEST>                                                            565
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<INTEREST-DEPOSIT>                                                         6,402
<INTEREST-EXPENSE>                                                        11,094
<INTEREST-INCOME-NET>                                                      6,564
<LOAN-LOSSES>                                                                137
<SECURITIES-GAINS>                                                             0
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<INCOME-PRETAX>                                                            2,616
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<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
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<EPS-BASIC>                                                                  .25
<EPS-DILUTED>                                                                .25
<YIELD-ACTUAL>                                                              2.90
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<LOANS-PAST>                                                               1,429
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
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<CHARGE-OFFS>                                                                 39
<RECOVERIES>                                                                   2
<ALLOWANCE-CLOSE>                                                          2,605
<ALLOWANCE-DOMESTIC>                                                       2,605
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0