<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>                                                                     9,996
<INT-BEARING-DEPOSITS>                                                       625
<FED-FUNDS-SOLD>                                                           1,787
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               54,686
<INVESTMENTS-CARRYING>                                                         0
<INVESTMENTS-MARKET>                                                           0
<LOANS>                                                                  524,897
<ALLOWANCE>                                                                6,196
<TOTAL-ASSETS>                                                           612,751
<DEPOSITS>                                                               497,055
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        3,592
<LONG-TERM>                                                               63,120
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   2,703
<OTHER-SE>                                                                46,281
<TOTAL-LIABILITIES-AND-EQUITY>                                           612,751
<INTEREST-LOAN>                                                           11,406
<INTEREST-INVEST>                                                            868
<INTEREST-OTHER>                                                             128
<INTEREST-TOTAL>                                                          12,402
<INTEREST-DEPOSIT>                                                         5,360
<INTEREST-EXPENSE>                                                         6,242
<INTEREST-INCOME-NET>                                                      6,160
<LOAN-LOSSES>                                                                360
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            3,771
<INCOME-PRETAX>                                                            2,650
<INCOME-PRE-EXTRAORDINARY>                                                 2,650
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               1,765
<EPS-BASIC>                                                                 0.33
<EPS-DILUTED>                                                               0.33
<YIELD-ACTUAL>                                                              8.54
<LOANS-NON>                                                                3,221
<LOANS-PAST>                                                                 651
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                            3,872
<ALLOWANCE-OPEN>                                                           6,133
<CHARGE-OFFS>                                                                343
<RECOVERIES>                                                                  46
<ALLOWANCE-CLOSE>                                                          6,196
<ALLOWANCE-DOMESTIC>                                                       6,196
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0



</TABLE>