<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>                                                     19,184
<INT-BEARING-DEPOSITS>                                          0
<FED-FUNDS-SOLD>                                           11,400
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                               108,503
<INVESTMENTS-CARRYING>                                     51,318
<INVESTMENTS-MARKET>                                       50,526
<LOANS>                                                   516,876
<ALLOWANCE>                                                 5,766
<TOTAL-ASSETS>                                            722,096
<DEPOSITS>                                                631,090
<SHORT-TERM>                                               16,481
<LIABILITIES-OTHER>                                         6,069
<LONG-TERM>                                                13,000
<COMMON>                                                    5,397
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                                 50,059
<TOTAL-LIABILITIES-AND-EQUITY>                            722,096
<INTEREST-LOAN>                                            10,384
<INTEREST-INVEST>                                           2,442
<INTEREST-OTHER>                                              100
<INTEREST-TOTAL>                                           12,926
<INTEREST-DEPOSIT>                                          4,822
<INTEREST-EXPENSE>                                          5,326
<INTEREST-INCOME-NET>                                       7,600
<LOAN-LOSSES>                                                 300
<SECURITIES-GAINS>                                             97
<EXPENSE-OTHER>                                             5,414
<INCOME-PRETAX>                                             2,833
<INCOME-PRE-EXTRAORDINARY>                                  2,833
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                1,890
<EPS-BASIC>                                                  0.29
<EPS-DILUTED>                                                0.29
<YIELD-ACTUAL>                                               4.42
<LOANS-NON>                                                 1,072
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                              109
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                            5,476
<CHARGE-OFFS>                                                  49
<RECOVERIES>                                                   40
<ALLOWANCE-CLOSE>                                           5,766
<ALLOWANCE-DOMESTIC>                                        5,766
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                     2,750


</TABLE>