
<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                              11,295
<INT-BEARING-DEPOSITS>                               2,409
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        361,083
<INVESTMENTS-CARRYING>                               1,963
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            312,037
<ALLOWANCE>                                          5,146
<TOTAL-ASSETS>                                     704,956
<DEPOSITS>                                         496,888
<SHORT-TERM>                                        99,124
<LIABILITIES-OTHER>                                  5,279
<LONG-TERM>                                         25,620
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             5,325
<OTHER-SE>                                          72,720
<TOTAL-LIABILITIES-AND-EQUITY>                     704,956
<INTEREST-LOAN>                                      6,671
<INTEREST-INVEST>                                    6,155
<INTEREST-OTHER>                                        31
<INTEREST-TOTAL>                                    12,857
<INTEREST-DEPOSIT>                                   5,413
<INTEREST-EXPENSE>                                   7,145
<INTEREST-INCOME-NET>                                5,712
<LOAN-LOSSES>                                          226
<SECURITIES-GAINS>                                      15
<EXPENSE-OTHER>                                      4,209
<INCOME-PRETAX>                                      2,650
<INCOME-PRE-EXTRAORDINARY>                           2,650
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,149
<EPS-BASIC>                                           0.41
<EPS-DILUTED>                                         0.41
<YIELD-ACTUAL>                                        7.50
<LOANS-NON>                                          1,824
<LOANS-PAST>                                         1,018
<LOANS-TROUBLED>                                       141
<LOANS-PROBLEM>                                      1,824
<ALLOWANCE-OPEN>                                     5,131
<CHARGE-OFFS>                                          224
<RECOVERIES>                                            13
<ALLOWANCE-CLOSE>                                    5,146
<ALLOWANCE-DOMESTIC>                                 3,408
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,738


</TABLE>
