<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 13,436,000 <INT-BEARING-DEPOSITS> 4,158,000 <FED-FUNDS-SOLD> 29,715,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 41,577,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 143,099,000 <ALLOWANCE> 2,460,000 <TOTAL-ASSETS> 234,687,000 <DEPOSITS> 208,423,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,784,000 <LONG-TERM> 1,275,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,219,000 <OTHER-SE> 7,986,000 <TOTAL-LIABILITIES-AND-EQUITY> 234,687,000 <INTEREST-LOAN> 3,393,000 <INTEREST-INVEST> 780,000 <INTEREST-OTHER> 457,000 <INTEREST-TOTAL> 4,630,000 <INTEREST-DEPOSIT> 1,079,000 <INTEREST-EXPENSE> 1,084,000 <INTEREST-INCOME-NET> 3,546,000 <LOAN-LOSSES> 150,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,984,000 <INCOME-PRETAX> 873,000 <INCOME-PRE-EXTRAORDINARY> 513,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 513,000 <EPS-BASIC> 0.19 <EPS-DILUTED> 0.19 <YIELD-ACTUAL> 0.59 <LOANS-NON> 99,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,300,000 <CHARGE-OFFS> 0 <RECOVERIES> 10,000 <ALLOWANCE-CLOSE> 2,460,000 <ALLOWANCE-DOMESTIC> 2,460,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0