<ARTICLE> 9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                       184,281
<INT-BEARING-DEPOSITS>                       752,207
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                7,313,534
<INVESTMENTS-CARRYING>                       518,255
<INVESTMENTS-MARKET>                         455,984
<LOANS>                                   44,326,571
<ALLOWANCE>                                  182,811
<TOTAL-ASSETS>                            54,301,327
<DEPOSITS>                                36,413,396
<SHORT-TERM>                               6,500,000
<LIABILITIES-OTHER>                        1,262,140
<LONG-TERM>                                3,000,000
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                    4,754
<OTHER-SE>                                 7,121,037
<TOTAL-LIABILITIES-AND-EQUITY>            54,301,327
<INTEREST-LOAN>                              801,269
<INTEREST-INVEST>                            133,711
<INTEREST-OTHER>                              20,664
<INTEREST-TOTAL>                             955,644
<INTEREST-DEPOSIT>                           428,143
<INTEREST-EXPENSE>                           599,309
<INTEREST-INCOME-NET>                        396,335
<LOAN-LOSSES>                                      0
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                              347,885
<INCOME-PRETAX>                               55,525
<INCOME-PRE-EXTRAORDINARY>                    55,525
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                  31,198
<EPS-BASIC>                                    .07
<EPS-DILUTED>                                    .07
<YIELD-ACTUAL>                                  3.00
<LOANS-NON>                                        0
<LOANS-PAST>                                       0
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                             182,951
<CHARGE-OFFS>                                    140
<RECOVERIES>                                       0
<ALLOWANCE-CLOSE>                            182,811
<ALLOWANCE-DOMESTIC>                         182,811
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0