<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 1,132 <INT-BEARING-DEPOSITS> 3,394 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,712 <INVESTMENTS-CARRYING> 15,521 <INVESTMENTS-MARKET> 14,179 <LOANS> 177,504 <ALLOWANCE> 845 <TOTAL-ASSETS> 205,486 <DEPOSITS> 159,231 <SHORT-TERM> 20,000 <LIABILITIES-OTHER> 3,201 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 219 <OTHER-SE> 22,835 <TOTAL-LIABILITIES-AND-EQUITY> 205,486 <INTEREST-LOAN> 3,442 <INTEREST-INVEST> 279 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 3,721 <INTEREST-DEPOSIT> 1,872 <INTEREST-EXPENSE> 228 <INTEREST-INCOME-NET> 1,621 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,235 <INCOME-PRETAX> 697 <INCOME-PRE-EXTRAORDINARY> 697 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 410 <EPS-BASIC> 0.30 <EPS-DILUTED> 0.30 <YIELD-ACTUAL> 3.31 <LOANS-NON> 224 <LOANS-PAST> 228 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 455 <ALLOWANCE-OPEN> 857 <CHARGE-OFFS> 16 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 845 <ALLOWANCE-DOMESTIC> 845 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0