<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-2000 <CASH> 4,590 <INT-BEARING-DEPOSITS> 61 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,097 <INVESTMENTS-CARRYING> 26,097 <INVESTMENTS-MARKET> 26,097 <LOANS> 184,027 <ALLOWANCE> 1,662 <TOTAL-ASSETS> 220,726 <DEPOSITS> 173,395 <SHORT-TERM> 8,460 <LIABILITIES-OTHER> 1,995 <LONG-TERM> 16,100 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 20,576 <TOTAL-LIABILITIES-AND-EQUITY> 220,726 <INTEREST-LOAN> 3,946 <INTEREST-INVEST> 390 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 4,336 <INTEREST-DEPOSIT> 1,884 <INTEREST-EXPENSE> 2,174 <INTEREST-INCOME-NET> 2,162 <LOAN-LOSSES> 75 <SECURITIES-GAINS> 4 <EXPENSE-OTHER> 1,709 <INCOME-PRETAX> 759 <INCOME-PRE-EXTRAORDINARY> 759 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 475 <EPS-BASIC> .64 <EPS-DILUTED> .64 <YIELD-ACTUAL> 8.39 <LOANS-NON> 1,395 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,122 <ALLOWANCE-OPEN> 1,627 <CHARGE-OFFS> 151 <RECOVERIES> 111 <ALLOWANCE-CLOSE> 1,662 <ALLOWANCE-DOMESTIC> 1,662 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0