<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF OPERATIONS AND CONSOLIDATED BALANCE SHEETS
FOUND ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE,
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-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           8,775
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     99,184
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        285,874
<ALLOWANCE>                                      3,516
<TOTAL-ASSETS>                                 408,217
<DEPOSITS>                                     368,163
<SHORT-TERM>                                       800
<LIABILITIES-OTHER>                              4,026
<LONG-TERM>                                         38
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           664
<OTHER-SE>                                      34,526
<TOTAL-LIABILITIES-AND-EQUITY>                 408,217
<INTEREST-LOAN>                                  5,740
<INTEREST-INVEST>                                1,473
<INTEREST-OTHER>                                     9
<INTEREST-TOTAL>                                 7,222
<INTEREST-DEPOSIT>                               3,710
<INTEREST-EXPENSE>                               3,779
<INTEREST-INCOME-NET>                            3,443
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                 172
<EXPENSE-OTHER>                                  2,627
<INCOME-PRETAX>                                  1,339
<INCOME-PRE-EXTRAORDINARY>                       1,339
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,060
<EPS-BASIC>                                       0.53
<EPS-DILUTED>                                     0.53
<YIELD-ACTUAL>                                    7.82
<LOANS-NON>                                      2,291
<LOANS-PAST>                                     1,735
<LOANS-TROUBLED>                                   145
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,799
<CHARGE-OFFS>                                      403
<RECOVERIES>                                        30
<ALLOWANCE-CLOSE>                                3,516
<ALLOWANCE-DOMESTIC>                             3,516
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>