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<TABLE> <S> <C>
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<S> <C>
<PERIOD-TYPE> 3-MOS
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<PERIOD-START> APR-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 13,750
<INT-BEARING-DEPOSITS> 198
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 600
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<ALLOWANCE> 363
<TOTAL-ASSETS> 329,135
<DEPOSITS> 159,740
<SHORT-TERM> 2,368
<LIABILITIES-OTHER> 972
<LONG-TERM> 145,626
0
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<COMMON> 25
<OTHER-SE> 20,404
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<INTEREST-OTHER> 130
<INTEREST-TOTAL> 5,678
<INTEREST-DEPOSIT> 1,714
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<EPS-BASIC> .10
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<ALLOWANCE-CLOSE> 363
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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