<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  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>                                              3,626
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        20,165
<INVESTMENTS-CARRYING>                             62,300
<INVESTMENTS-MARKET>                               59,233
<LOANS>                                            54,464
<ALLOWANCE>                                           249
<TOTAL-ASSETS>                                    146,268
<DEPOSITS>                                         83,077
<SHORT-TERM>                                       12,500
<LIABILITIES-OTHER>                                 1,673
<LONG-TERM>                                        30,000
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              155
<OTHER-SE>                                         18,863
<TOTAL-LIABILITIES-AND-EQUITY>                    146,268
<INTEREST-LOAN>                                       945
<INTEREST-INVEST>                                   1,359
<INTEREST-OTHER>                                       54
<INTEREST-TOTAL>                                    2,358
<INTEREST-DEPOSIT>                                    858
<INTEREST-EXPENSE>                                  1,397
<INTEREST-INCOME-NET>                                 961
<LOAN-LOSSES>                                           9
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                       768
<INCOME-PRETAX>                                       404
<INCOME-PRE-EXTRAORDINARY>                            404
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                          250
<EPS-BASIC>                                          0.20
<EPS-DILUTED>                                        0.20
<YIELD-ACTUAL>                                          0
<LOANS-NON>                                            28
<LOANS-PAST>                                           30
<LOANS-TROUBLED>                                      123
<LOANS-PROBLEM>                                        18
<ALLOWANCE-OPEN>                                      239
<CHARGE-OFFS>                                           1
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                     249
<ALLOWANCE-DOMESTIC>                                  249
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                               249