<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
Financial Data Schedule - This exhibit is included only in the electronic EDGAR
filing version of this Form 10-Q. The financial data schedule is not a separate
financial statement, but a schedule that summarizes certain standard financial
information extracted directly from the financial statements in this filing.
</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>                                           8,963
<INT-BEARING-DEPOSITS>                           3,511
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     61,367
<INVESTMENTS-CARRYING>                           8,305
<INVESTMENTS-MARKET>                             8,030
<LOANS>                                        145,017
<ALLOWANCE>                                      1,174
<TOTAL-ASSETS>                                 237,392
<DEPOSITS>                                     195,211
<SHORT-TERM>                                    16,014
<LIABILITIES-OTHER>                                858
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,085
<OTHER-SE>                                       5,815
<TOTAL-LIABILITIES-AND-EQUITY>                 237,392
<INTEREST-LOAN>                                  3,354
<INTEREST-INVEST>                                  916
<INTEREST-OTHER>                                    56
<INTEREST-TOTAL>                                 4,424
<INTEREST-DEPOSIT>                               1,309
<INTEREST-EXPENSE>                               1,476
<INTEREST-INCOME-NET>                            2,948
<LOAN-LOSSES>                                       17
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,130
<INCOME-PRETAX>                                  1,358
<INCOME-PRE-EXTRAORDINARY>                       1,358
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       965
<EPS-BASIC>                                      .23
<EPS-DILUTED>                                      .23
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                        585
<LOANS-PAST>                                     1,051
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,071
<CHARGE-OFFS>                                       17
<RECOVERIES>                                        62
<ALLOWANCE-CLOSE>                                1,174
<ALLOWANCE-DOMESTIC>                             1,174
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Information not calculated for interim reports.
</FN>


</TABLE>