<ARTICLE> 9 <MULTIPLIER> 1000 <CURRENCY> U.S.DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <EXCHANGE-RATE> 1 <CASH> 4,415 <INT-BEARING-DEPOSITS> 51,311 <FED-FUNDS-SOLD> 6,670 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,049 <INVESTMENTS-CARRYING> 12,816 <INVESTMENTS-MARKET> 12,412 <LOANS> 54,725 <ALLOWANCE> 887 <TOTAL-ASSETS> 89,390 <DEPOSITS> 79,593 <SHORT-TERM> 0 <LIABILITIES-OTHER> 600 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,672 <OTHER-SE> (4,174) <TOTAL-LIABILITIES-AND-EQUITY> 83,390 <INTEREST-LOAN> 1,143 <INTEREST-INVEST> 284 <INTEREST-OTHER> 88 <INTEREST-TOTAL> 1,515 <INTEREST-DEPOSIT> 489 <INTEREST-EXPENSE> 490 <INTEREST-INCOME-NET> 1,025 <LOAN-LOSSES> 7 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 981 <INCOME-PRETAX> 143 <INCOME-PRE-EXTRAORDINARY> 143 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 145 <EPS-BASIC> .04 <EPS-DILUTED> .04 <YIELD-ACTUAL> 5.29 <LOANS-NON> 117 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 853 <CHARGE-OFFS> 7 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 887 <ALLOWANCE-DOMESTIC> 887 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 887