<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