<ARTICLE>                                            9
<LEGEND>
THIS LEDGEND  CONTAINS SUMMARY  INFORMATION  EXTRACTED FROM THE FORM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                         3,251,624
<INT-BEARING-DEPOSITS>                         4,314,212
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                               1,926,775
<INVESTMENTS-HELD-FOR-SALE>                    7,440,455
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                      105,114,054
<ALLOWANCE>                                      617,889
<TOTAL-ASSETS>                               129,631,817
<DEPOSITS>                                    90,921,784
<SHORT-TERM>                                  12,000,000
<LIABILITIES-OTHER>                            1,753,738
<LONG-TERM>                                   14,008,913
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                          11,241
<OTHER-SE>                                    10,936,141
<TOTAL-LIABILITIES-AND-EQUITY>               129,631,817
<INTEREST-LOAN>                                2,007,176
<INTEREST-INVEST>                                171,549
<INTEREST-OTHER>                                       0
<INTEREST-TOTAL>                               2,178,725
<INTEREST-DEPOSIT>                               984,588
<INTEREST-EXPENSE>                             1,342,734
<INTEREST-INCOME-NET>                            835,992
<LOAN-LOSSES>                                     31,813
<SECURITIES-GAINS>                                10,196
<EXPENSE-OTHER>                                  721,649
<INCOME-PRETAX>                                  217,348
<INCOME-PRE-EXTRAORDINARY>                       217,348
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                     174,045
<EPS-BASIC>                                         0.28
<EPS-DILUTED>                                       0.28
<YIELD-ACTUAL>                                      2.82
<LOANS-NON>                                      713,000
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                 590,701
<CHARGE-OFFS>                                      4,625
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                617,889
<ALLOWANCE-DOMESTIC>                             617,889
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0