<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE MONTHS ENDED
MARCH 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           1,708
<INT-BEARING-DEPOSITS>                           5,040
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     12,880
<INVESTMENTS-CARRYING>                           6,544
<INVESTMENTS-MARKET>                             6,408
<LOANS>                                        115,420
<ALLOWANCE>                                        919
<TOTAL-ASSETS>                                 149,491
<DEPOSITS>                                     132,458
<SHORT-TERM>                                       638
<LIABILITIES-OTHER>                              1,073
<LONG-TERM>                                      6,567
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,840
<OTHER-SE>                                       1,915
<TOTAL-LIABILITIES-AND-EQUITY>                 149,491
<INTEREST-LOAN>                                  2,486
<INTEREST-INVEST>                                  209
<INTEREST-OTHER>                                    90
<INTEREST-TOTAL>                                 2,785
<INTEREST-DEPOSIT>                               1,469
<INTEREST-EXPENSE>                               1,582
<INTEREST-INCOME-NET>                            1,203
<LOAN-LOSSES>                                       64
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,212
<INCOME-PRETAX>                                     85
<INCOME-PRE-EXTRAORDINARY>                          85
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       103
<EPS-BASIC>                                        .10
<EPS-DILUTED>                                      .10
<YIELD-ACTUAL>                                    3.49
<LOANS-NON>                                        299
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    709
<ALLOWANCE-OPEN>                                   873
<CHARGE-OFFS>                                       23
<RECOVERIES>                                         5
<ALLOWANCE-CLOSE>                                  919
<ALLOWANCE-DOMESTIC>                               919
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0