<TABLE> <S> <C>

<ARTICLE>  9
<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>                                                  30,681
<INT-BEARING-DEPOSITS>                                      37
<FED-FUNDS-SOLD>                                        23,505
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             52,650
<INVESTMENTS-CARRYING>                                  31,640
<INVESTMENTS-MARKET>                                    31,140
<LOANS>                                                388,079
<ALLOWANCE>                                              5,890
<TOTAL-ASSETS>                                         552,026
<DEPOSITS>                                             479,170
<SHORT-TERM>                                            16,016
<LIABILITIES-OTHER>                                     10,482
<LONG-TERM>                                                  0
<COMMON>                                                 2,179
<PREFERRED-MANDATORY>                                   13,990
<PREFERRED>                                                  0
<OTHER-SE>                                              30,189
<TOTAL-LIABILITIES-AND-EQUITY>                         552,026
<INTEREST-LOAN>                                          9,500
<INTEREST-INVEST>                                        1,412
<INTEREST-OTHER>                                            15
<INTEREST-TOTAL>                                        10,927
<INTEREST-DEPOSIT>                                       4,842
<INTEREST-EXPENSE>                                       5,066
<INTEREST-INCOME-NET>                                    5,861
<LOAN-LOSSES>                                              342
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                          6,486
<INCOME-PRETAX>                                          2,323
<INCOME-PRE-EXTRAORDINARY>                               2,323
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             1,601
<EPS-BASIC>                                                .73
<EPS-DILUTED>                                              .73
<YIELD-ACTUAL>                                            1.18
<LOANS-NON>                                              2,190
<LOANS-PAST>                                               523
<LOANS-TROUBLED>                                           778
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         5,682
<CHARGE-OFFS>                                              219
<RECOVERIES>                                                85
<ALLOWANCE-CLOSE>                                        5,890
<ALLOWANCE-DOMESTIC>                                         0
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                  5,890


</TABLE>