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<S>                             <C>
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<PERIOD-END>                               MAR-31-2000
<CASH>                                            5561
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<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                                 0
<LOANS>                                         179195
<ALLOWANCE>                                       2570
<TOTAL-ASSETS>                                  289714
<DEPOSITS>                                      219767
<SHORT-TERM>                                     16195
<LIABILITIES-OTHER>                               2955
<LONG-TERM>                                      24362
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          3057
<OTHER-SE>                                       23378
<TOTAL-LIABILITIES-AND-EQUITY>                  289714
<INTEREST-LOAN>                                   3775
<INTEREST-INVEST>                                 1455
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<INTEREST-DEPOSIT>                                2035
<INTEREST-EXPENSE>                                2652
<INTEREST-INCOME-NET>                             2578
<LOAN-LOSSES>                                       75
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<EXPENSE-OTHER>                                   1653
<INCOME-PRETAX>                                   1264
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<CHANGES>                                            0
<NET-INCOME>                                       948
<EPS-BASIC>                                      .31
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                     7.9
<LOANS-NON>                                        730
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<LOANS-TROUBLED>                                   897
<LOANS-PROBLEM>                                   4091
<ALLOWANCE-OPEN>                                  2505
<CHARGE-OFFS>                                       19
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                 2570
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>
