<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                      1000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                              24,277
<INT-BEARING-DEPOSITS>                                  43
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         29,639
<INVESTMENTS-CARRYING>                               5,329
<INVESTMENTS-MARKET>                                 5,255
<LOANS>                                            352,390
<ALLOWANCE>                                          2,984
<TOTAL-ASSETS>                                     474,308
<DEPOSITS>                                         380,477
<SHORT-TERM>                                        29,410
<LIABILITIES-OTHER>                                  4,600
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             6,081
<OTHER-SE>                                          53,740
<TOTAL-LIABILITIES-AND-EQUITY>                     474,308
<INTEREST-LOAN>                                      9,028
<INTEREST-INVEST>                                      512
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     9,540
<INTEREST-DEPOSIT>                                   2,724
<INTEREST-EXPENSE>                                   3,198
<INTEREST-INCOME-NET>                                6,342
<LOAN-LOSSES>                                          300
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      5,788
<INCOME-PRETAX>                                      1,985
<INCOME-PRE-EXTRAORDINARY>                           1,182
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,182
<EPS-BASIC>                                           0.20
<EPS-DILUTED>                                         0.19
<YIELD-ACTUAL>                                        6.70
<LOANS-NON>                                          1,236
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      3,056
<ALLOWANCE-OPEN>                                     2,739
<CHARGE-OFFS>                                           67
<RECOVERIES>                                            12
<ALLOWANCE-CLOSE>                                    2,984
<ALLOWANCE-DOMESTIC>                                 2,378
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                606



</TABLE>