<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information from SEC Form 10-Q and is
qualified in its entirety by reference to such financial information.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                          23,224,518
<INT-BEARING-DEPOSITS>                             120,018
<FED-FUNDS-SOLD>                                 1,500,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     31,893,543
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                        325,952,756
<ALLOWANCE>                                      4,482,165
<TOTAL-ASSETS>                                 392,709,251
<DEPOSITS>                                     321,585,154
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                              1,122,006
<LONG-TERM>                                     35,000,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                        36,882,916
<OTHER-SE>                                      (1,880,825)
<TOTAL-LIABILITIES-AND-EQUITY>                 392,709,251
<INTEREST-LOAN>                                  6,610,646
<INTEREST-INVEST>                                  495,285
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                 7,105,931
<INTEREST-DEPOSIT>                               3,056,181
<INTEREST-EXPENSE>                               3,568,706
<INTEREST-INCOME-NET>                            3,537,225
<LOAN-LOSSES>                                      487,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  2,929,262
<INCOME-PRETAX>                                    526,613
<INCOME-PRE-EXTRAORDINARY>                         526,613
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       526,613
<EPS-BASIC>                                          .15
<EPS-DILUTED>                                          .15
<YIELD-ACTUAL>                                        3.94
<LOANS-NON>                                        115,348
<LOANS-PAST>                                        14,748
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 3,995,165
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                4,482,165
<ALLOWANCE-DOMESTIC>                             4,482,165
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0