<TABLE> <S> <C>


<ARTICLE>                                                      9
<MULTIPLIER>                                                1000


<S>                                   <C>                    <C>
<PERIOD-TYPE>                         3-MOS                  12-MOS
<FISCAL-YEAR-END>                     DEC-31-2000            DEC-31-2000
<PERIOD-END>                          MAR-31-2000            MAR-31-2000
<CASH>                                          0                  8,099
<INT-BEARING-DEPOSITS>                          0                 12,371
<FED-FUNDS-SOLD>                                0                  4,400
<TRADING-ASSETS>                                0                      0
<INVESTMENTS-HELD-FOR-SALE>                     0                105,708
<INVESTMENTS-CARRYING>                          0                 12,330
<INVESTMENTS-MARKET>                            0                 12,470
<LOANS>                                         0                180,160
<ALLOWANCE>                                     0                  2,728
<TOTAL-ASSETS>                                  0                338,354
<DEPOSITS>                                      0                285,535
<SHORT-TERM>                                    0                  7,294
<LIABILITIES-OTHER>                             0                  1,248
<LONG-TERM>                                     0                 12,454
<PREFERRED-MANDATORY>                           0                      0
<PREFERRED>                                     0                      0
<COMMON>                                        0                  6,004
<OTHER-SE>                                      0                 25,819
<TOTAL-LIABILITIES-AND-EQUITY>                  0                338,354
<INTEREST-LOAN>                             3,685                  3,685
<INTEREST-INVEST>                           1,884                  1,884
<INTEREST-OTHER>                              104                    104
<INTEREST-TOTAL>                            5,673                  5,673
<INTEREST-DEPOSIT>                          2,514                  2,514
<INTEREST-EXPENSE>                          2,775                  2,775
<INTEREST-INCOME-NET>                       2,898                  2,898
<LOAN-LOSSES>                                  37                     37
<SECURITIES-GAINS>                              0                      0
<EXPENSE-OTHER>                             1,857                  1,857
<INCOME-PRETAX>                             1,349                  1,349
<INCOME-PRE-EXTRAORDINARY>                    940                    940
<EXTRAORDINARY>                                 0                      0
<CHANGES>                                       0                      0
<NET-INCOME>                                  940                    940
<EPS-BASIC>                                0.39                   0.39
<EPS-DILUTED>                                0.39                   0.39
<YIELD-ACTUAL>                                  0                   3.80
<LOANS-NON>                                     0                  1,396
<LOANS-PAST>                                    0                    144
<LOANS-TROUBLED>                                0                      0
<LOANS-PROBLEM>                                 0                      0
<ALLOWANCE-OPEN>                                0                  2,697
<CHARGE-OFFS>                                   0                     28
<RECOVERIES>                                    0                     22
<ALLOWANCE-CLOSE>                               0                  2,728
<ALLOWANCE-DOMESTIC>                            0                  2,329
<ALLOWANCE-FOREIGN>                             0                      0
<ALLOWANCE-UNALLOCATED>                         0                    399




</TABLE>