<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 annual report on Form 10-K and is qualified in its entirety by
reference to such annual report on Form 10-K.
</LEGEND>
<MULTIPLIER>  1,000

<S>                                                                <C>
<PERIOD-TYPE>                                                             3-MOS
<FISCAL-YEAR-END>                                                   DEC-31-2000
<PERIOD-END>                                                        MAR-31-2000
<CASH>                                                                  13,248
<INT-BEARING-DEPOSITS>                                                       0
<FED-FUNDS-SOLD>                                                             0
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                             32,099
<INVESTMENTS-CARRYING>                                                  12,190
<INVESTMENTS-MARKET>                                                    11,760
<LOANS>                                                                454,080
<ALLOWANCE>                                                              3,780
<TOTAL-ASSETS>                                                         547,395
<DEPOSITS>                                                             378,879
<SHORT-TERM>                                                                 0
<LIABILITIES-OTHER>                                                      9,147
<LONG-TERM>                                                             61,557
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                    58
<OTHER-SE>                                                              97,754
<TOTAL-LIABILITIES-AND-EQUITY>                                         547,395
<INTEREST-LOAN>                                                          8,706
<INTEREST-INVEST>                                                          810
<INTEREST-OTHER>                                                            22
<INTEREST-TOTAL>                                                         9,537
<INTEREST-DEPOSIT>                                                       3,922
<INTEREST-EXPENSE>                                                         815
<INTEREST-INCOME-NET>                                                    4,800
<LOAN-LOSSES>                                                              171
<SECURITIES-GAINS>                                                           0
<EXPENSE-OTHER>                                                          3,179
<INCOME-PRETAX>                                                          2,284
<INCOME-PRE-EXTRAORDINARY>                                               1,508
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                             1,508
<EPS-BASIC>                                                              .28
<EPS-DILUTED>                                                              .28
<YIELD-ACTUAL>                                                            3.84
<LOANS-NON>                                                                361
<LOANS-PAST>                                                                55
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                          3,846
<ALLOWANCE-OPEN>                                                         3,652
<CHARGE-OFFS>                                                               64
<RECOVERIES>                                                                21
<ALLOWANCE-CLOSE>                                                        3,780
<ALLOWANCE-DOMESTIC>                                                     3,780
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                    379



</TABLE>