<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 15,953,184 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,000,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 65,076,736 <INVESTMENTS-CARRYING> 20,883,097 <INVESTMENTS-MARKET> 20,519,177 <LOANS> 242,220,023 <ALLOWANCE> 3,945,228 <TOTAL-ASSETS> 367,340,415 <DEPOSITS> 320,680,386 <SHORT-TERM> 1,068,826 <LIABILITIES-OTHER> 1,608,223 <LONG-TERM> 11,724,273 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,204 <OTHER-SE> 32,168,503 <TOTAL-LIABILITIES-AND-EQUITY> 367,340,415 <INTEREST-LOAN> 5,317,380 <INTEREST-INVEST> 1,274,982 <INTEREST-OTHER> 106,818 <INTEREST-TOTAL> 6,699,180 <INTEREST-DEPOSIT> 2,797,693 <INTEREST-EXPENSE> 2,979,088 <INTEREST-INCOME-NET> 3,720,092 <LOAN-LOSSES> 150,000 <SECURITIES-GAINS> (4,757) <EXPENSE-OTHER> 2,488,416 <INCOME-PRETAX> 1,486,415 <INCOME-PRE-EXTRAORDINARY> 1,486,415 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,008,000 <EPS-BASIC> 0.27 <EPS-DILUTED> 0.27 <YIELD-ACTUAL> 4.42 <LOANS-NON> 1,480,652 <LOANS-PAST> 161,593 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,765,872 <CHARGE-OFFS> 74,981 <RECOVERIES> 104,337 <ALLOWANCE-CLOSE> 3,945,228 <ALLOWANCE-DOMESTIC> 3,945,228 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0