<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED  BALANCE SHEET AS OF MARCH 31, 2000 AND THE CONSOLIDATED  STATEMENT
OF INCOME FOR THREE MONTHS ENDED MARCH 31, 2000 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>                                           6,114
<INT-BEARING-DEPOSITS>                             332
<FED-FUNDS-SOLD>                                   400
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    124,609
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        157,440
<ALLOWANCE>                                    (1,545)
<TOTAL-ASSETS>                                 298,497
<DEPOSITS>                                     195,660
<SHORT-TERM>                                    22,000
<LIABILITIES-OTHER>                                913
<LONG-TERM>                                     41,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           358
<OTHER-SE>                                      38,566
<TOTAL-LIABILITIES-AND-EQUITY>                 298,497
<INTEREST-LOAN>                                  3,180
<INTEREST-INVEST>                                1,904
<INTEREST-OTHER>                                    16
<INTEREST-TOTAL>                                 5,100
<INTEREST-DEPOSIT>                               1,785
<INTEREST-EXPENSE>                               2,592
<INTEREST-INCOME-NET>                            2,508
<LOAN-LOSSES>                                       66
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,839
<INCOME-PRETAX>                                    862
<INCOME-PRE-EXTRAORDINARY>                         608
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       608
<EPS-BASIC>                                       0.19
<EPS-DILUTED>                                     0.19
<YIELD-ACTUAL>                                    3.64
<LOANS-NON>                                        116
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    796
<ALLOWANCE-OPEN>                                 1,523
<CHARGE-OFFS>                                       54
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                                1,545
<ALLOWANCE-DOMESTIC>                             1,421
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            124


</TABLE>