<ARTICLE> 9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                      10,739,921
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<ALLOWANCE>                                  6,789,109
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<INTEREST-TOTAL>                             5,683,885
<INTEREST-DEPOSIT>                           2,235,486
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<LOAN-LOSSES>                                  150,000
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