<TABLE> <S> <C>


<ARTICLE> 9
<MULTIPLIER>                                              1,000

<S>                                                         <C>
<PERIOD-TYPE>                                               3-MOS
<FISCAL-YEAR-END>                                       DEC-31-2000
<PERIOD-END>                                            MAR-31-2000
<CASH>                                                   19,778
<INT-BEARING-DEPOSITS>                                      685
<FED-FUNDS-SOLD>                                          5,587
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                              57,573
<INVESTMENTS-CARRYING>                                        0
<INVESTMENTS-MARKET>                                          0
<LOANS>                                                 486,973
<ALLOWANCE>                                               6,861
<TOTAL-ASSETS>                                          603,342
<DEPOSITS>                                              476,000
<SHORT-TERM>                                                  0
<LIABILITIES-OTHER>                                       5,603
<LONG-TERM>                                              66,878
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                 16,226
<OTHER-SE>                                               26,185
<TOTAL-LIABILITIES-AND-EQUITY>                          603,342
<INTEREST-LOAN>                                          11,235
<INTEREST-INVEST>                                           946
<INTEREST-OTHER>                                             91
<INTEREST-TOTAL>                                         12,272
<INTEREST-DEPOSIT>                                        5,172
<INTEREST-EXPENSE>                                        6,250
<INTEREST-INCOME-NET>                                     6,022
<LOAN-LOSSES>                                               350
<SECURITIES-GAINS>                                            0
<EXPENSE-OTHER>                                           4,214
<INCOME-PRETAX>                                           2,424
<INCOME-PRE-EXTRAORDINARY>                                2,424
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                              1,950
<EPS-BASIC>                                               .28
<EPS-DILUTED>                                               .28
<YIELD-ACTUAL>                                             4.98
<LOANS-NON>                                                 349
<LOANS-PAST>                                              2,760
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                          6,863
<CHARGE-OFFS>                                               374
<RECOVERIES>                                                 22
<ALLOWANCE-CLOSE>                                         6,861
<ALLOWANCE-DOMESTIC>                                      6,861
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                   2,096




</TABLE>