<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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>                                           9,267
<INT-BEARING-DEPOSITS>                           9,059
<FED-FUNDS-SOLD>                                 4,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,028
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        180,144
<ALLOWANCE>                                      2,651
<TOTAL-ASSETS>                                 216,120
<DEPOSITS>                                     181,632
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,280
<LONG-TERM>                                     13,347
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,804
<OTHER-SE>                                       6,057
<TOTAL-LIABILITIES-AND-EQUITY>                 216,120
<INTEREST-LOAN>                                  3,918
<INTEREST-INVEST>                                  137
<INTEREST-OTHER>                                   141
<INTEREST-TOTAL>                                 4,196
<INTEREST-DEPOSIT>                               1,778
<INTEREST-EXPENSE>                               1,977
<INTEREST-INCOME-NET>                            2,220
<LOAN-LOSSES>                                      101
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,145
<INCOME-PRETAX>                                  1,073
<INCOME-PRE-EXTRAORDINARY>                         702
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       702
<EPS-BASIC>                                       0.53
<EPS-DILUTED>                                     0.50
<YIELD-ACTUAL>                                    4.47
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    334
<ALLOWANCE-OPEN>                                 2,550
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,651
<ALLOWANCE-DOMESTIC>                             1,982
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            669


</TABLE>