<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at March 31, 2000,  (unaudited) and the Consolidated
Statement of Income for the three months ended March 31, 2000 (unaudited) 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-31-1999
<PERIOD-END>                                         MAR-31-2000
<CASH>                                                     1,011
<INT-BEARING-DEPOSITS>                                   158,098
<FED-FUNDS-SOLD>                                           4,460
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                               34,312
<INVESTMENTS-CARRYING>                                     3,974
<INVESTMENTS-MARKET>                                       3,954
<LOANS>                                                  167,670
<ALLOWANCE>                                                1,690
<TOTAL-ASSETS>                                           226,984
<DEPOSITS>                                               183,311
<SHORT-TERM>                                              18,392
<LIABILITIES-OTHER>                                          315
<LONG-TERM>                                                    0
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                   4,991
<OTHER-SE>                                                18,697
<TOTAL-LIABILITIES-AND-EQUITY>                           226,984
<INTEREST-LOAN>                                            3,522
<INTEREST-INVEST>                                            729
<INTEREST-OTHER>                                               0
<INTEREST-TOTAL>                                           4,251
<INTEREST-DEPOSIT>                                         1,759
<INTEREST-EXPENSE>                                         1,977
<INTEREST-INCOME-NET>                                      2,274
<LOAN-LOSSES>                                                163
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                            1,787
<INCOME-PRETAX>                                              789
<INCOME-PRE-EXTRAORDINARY>                                   789
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                                 526
<EPS-BASIC>                                                 0.18
<EPS-DILUTED>                                               0.17
<YIELD-ACTUAL>                                              4.51
<LOANS-NON>                                                  485
<LOANS-PAST>                                                   0
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                           1,581
<CHARGE-OFFS>                                                 56
<RECOVERIES>                                                   2
<ALLOWANCE-CLOSE>                                          1,690
<ALLOWANCE-DOMESTIC>                                       1,690
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0


</TABLE>