<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<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>                                          15,823
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,150
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     91,043
<INVESTMENTS-CARRYING>                          33,207
<INVESTMENTS-MARKET>                            32,594
<LOANS>                                        301,067
<ALLOWANCE>                                      2,988
<TOTAL-ASSETS>                                 454,562
<DEPOSITS>                                     396,196
<SHORT-TERM>                                    12,477
<LIABILITIES-OTHER>                              1,348
<LONG-TERM>                                      3,802
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      36,960
<TOTAL-LIABILITIES-AND-EQUITY>                 454,562
<INTEREST-LOAN>                                  6,094
<INTEREST-INVEST>                                2,022
<INTEREST-OTHER>                                    27
<INTEREST-TOTAL>                                 8,143
<INTEREST-DEPOSIT>                               3,884
<INTEREST-EXPENSE>                               4,163
<INTEREST-INCOME-NET>                            3,980
<LOAN-LOSSES>                                      322
<SECURITIES-GAINS>                                (19)
<EXPENSE-OTHER>                                  3,144
<INCOME-PRETAX>                                  1,527
<INCOME-PRE-EXTRAORDINARY>                       1,062
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,062
<EPS-BASIC>                                        .25
<EPS-DILUTED>                                      .25
<YIELD-ACTUAL>                                    3.81
<LOANS-NON>                                        608
<LOANS-PAST>                                       113
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,793
<CHARGE-OFFS>                                      152
<RECOVERIES>                                        25
<ALLOWANCE-CLOSE>                                2,988
<ALLOWANCE-DOMESTIC>                             1,797
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,191


</TABLE>