<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at March 31, 2000  (unaudited) and the  Consolidated
Statement of Income for the three months ended March 31, 2000 (unaudited) and is
qualified in its entirety by reference to such financial statements.

</LEGEND>
<MULTIPLIER>                                                    1,000

<S>                                                      <C>
<PERIOD-TYPE>                                            3-MOS
<FISCAL-YEAR-END>                                         DEC-31-2000
<PERIOD-END>                                              MAR-31-2000
<CASH>                                                         10,516
<INT-BEARING-DEPOSITS>                                          1,255
<FED-FUNDS-SOLD>                                                5,320
<TRADING-ASSETS>                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                    34,973
<INVESTMENTS-CARRYING>                                         12,870
<INVESTMENTS-MARKET>                                           12,284
<LOANS>                                                       171,490
<ALLOWANCE>                                                     2,087
<TOTAL-ASSETS>                                                242,338
<DEPOSITS>                                                    197,257
<SHORT-TERM>                                                    2,308
<LIABILITIES-OTHER>                                             1,553
<LONG-TERM>                                                    20,620
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                       15,906
<OTHER-SE>                                                      4,694
<TOTAL-LIABILITIES-AND-EQUITY>                                242,338
<INTEREST-LOAN>                                                 3,730
<INTEREST-INVEST>                                                 735
<INTEREST-OTHER>                                                  118
<INTEREST-TOTAL>                                                4,583
<INTEREST-DEPOSIT>                                              1,888
<INTEREST-EXPENSE>                                              2,165
<INTEREST-INCOME-NET>                                           2,418
<LOAN-LOSSES>                                                     180
<SECURITIES-GAINS>                                                  0
<EXPENSE-OTHER>                                                 1,600
<INCOME-PRETAX>                                                 1,075
<INCOME-PRE-EXTRAORDINARY>                                        694
<EXTRAORDINARY>                                                     0
<CHANGES>                                                           0
<NET-INCOME>                                                      694
<EPS-BASIC>                                                      0.22
<EPS-DILUTED>                                                    0.22
<YIELD-ACTUAL>                                                   4.44
<LOANS-NON>                                                       398
<LOANS-PAST>                                                        3
<LOANS-TROUBLED>                                                    0
<LOANS-PROBLEM>                                                   401
<ALLOWANCE-OPEN>                                                1,936
<CHARGE-OFFS>                                                      35
<RECOVERIES>                                                        6
<ALLOWANCE-CLOSE>                                               2,087
<ALLOWANCE-DOMESTIC>                                            2,087
<ALLOWANCE-FOREIGN>                                                 0
<ALLOWANCE-UNALLOCATED>                                             0


</TABLE>