
<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>                                          15,896
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,509
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    233,025
<INVESTMENTS-CARRYING>                          86,213
<INVESTMENTS-MARKET>                            85,033
<LOANS>                                        225,498
<ALLOWANCE>                                      2,851
<TOTAL-ASSETS>                                 598,455
<DEPOSITS>                                     530,856
<SHORT-TERM>                                     8,145
<LIABILITIES-OTHER>                              3,696
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                           12,000
<PREFERRED>                                          0
<COMMON>                                         5,221
<OTHER-SE>                                      38,537
<TOTAL-LIABILITIES-AND-EQUITY>                 598,455
<INTEREST-LOAN>                                  4,796
<INTEREST-INVEST>                                4,889
<INTEREST-OTHER>                                    39
<INTEREST-TOTAL>                                 9,724
<INTEREST-DEPOSIT>                               4,110
<INTEREST-EXPENSE>                               4,149
<INTEREST-INCOME-NET>                            5,575
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,969
<INCOME-PRETAX>                                  2,779
<INCOME-PRE-EXTRAORDINARY>                       2,779
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,967
<EPS-BASIC>                                       0.38
<EPS-DILUTED>                                     0.36
<YIELD-ACTUAL>                                    7.12
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,753
<CHARGE-OFFS>                                       19
<RECOVERIES>                                        42
<ALLOWANCE-CLOSE>                                2,851
<ALLOWANCE-DOMESTIC>                             2,851
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>
