<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>                                              11,209
<INT-BEARING-DEPOSITS>                                 951
<FED-FUNDS-SOLD>                                     4,547
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         69,807
<INVESTMENTS-CARRYING>                                  46
<INVESTMENTS-MARKET>                                    46
<LOANS>                                            372,829
<ALLOWANCE>                                          3,752
<TOTAL-ASSETS>                                     475,319
<DEPOSITS>                                         381,997
<SHORT-TERM>                                        17,000
<LIABILITIES-OTHER>                                  3,370
<LONG-TERM>                                         32,582
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                45
<OTHER-SE>                                          40,325
<TOTAL-LIABILITIES-AND-EQUITY>                     475,319
<INTEREST-LOAN>                                      7,736
<INTEREST-INVEST>                                    1,314
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     9,050
<INTEREST-DEPOSIT>                                   3,839
<INTEREST-EXPENSE>                                   4,557
<INTEREST-INCOME-NET>                                4,493
<LOAN-LOSSES>                                          250
<SECURITIES-GAINS>                                     (79)
<EXPENSE-OTHER>                                      3,337
<INCOME-PRETAX>                                      1,407
<INCOME-PRE-EXTRAORDINARY>                           1,407
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           799
<EPS-BASIC>                                           0.25
<EPS-DILUTED>                                         0.25
<YIELD-ACTUAL>                                        8.18
<LOANS-NON>                                          5,198
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                     1,277
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     3,502
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    3,752
<ALLOWANCE-DOMESTIC>                                 3,752
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0


</TABLE>