<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C> <C>
<PERIOD-TYPE> 3-MOS YEAR
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-START> JAN-01-2000 JAN-01-1999
<PERIOD-END> MAR-31-2000 DEC-31-1999
<CASH> 11,783 8,428
<INT-BEARING-DEPOSITS> 0 0
<FED-FUNDS-SOLD> 47,810 120
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 171,810 164,409
<INVESTMENTS-CARRYING> 0 0
<INVESTMENTS-MARKET> 0 0
<LOANS> 278,160 227,570
<ALLOWANCE> 3,475 2,775
<TOTAL-ASSETS> 518,463 408,579
<DEPOSITS> 444,905 287,068
<SHORT-TERM> 0 46,267
<LIABILITIES-OTHER> 2,602 2,332
<LONG-TERM> 2,089 0
0 0
0 0
<COMMON> 77 77
<OTHER-SE> 68,790 72,835
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<INTEREST-LOAN> 5,463 8,293
<INTEREST-INVEST> 2,813 5,560
<INTEREST-OTHER> 310 561
<INTEREST-TOTAL> 8,586 14,414
<INTEREST-DEPOSIT> 4,484 5,563
<INTEREST-EXPENSE> 4,907 6,166
<INTEREST-INCOME-NET> 3,679 8,248
<LOAN-LOSSES> 700 2,687
<SECURITIES-GAINS> 0 (1)
<EXPENSE-OTHER> 6,286 15,217
<INCOME-PRETAX> (2,970) (9,298)
<INCOME-PRE-EXTRAORDINARY> (2,970) (9,298)
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> (2,970) (9,298)
<EPS-BASIC> (.39) (1.23)
<EPS-DILUTED> (.39) (1.23)
<YIELD-ACTUAL> .034 .041
<LOANS-NON> 0 0
<LOANS-PAST> 0 0
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<ALLOWANCE-OPEN> 2,775 100
<CHARGE-OFFS> 0 12
<RECOVERIES> 0 0
<ALLOWANCE-CLOSE> 3,475 2,775
<ALLOWANCE-DOMESTIC> 3,475 2,775
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0
</TABLE>