<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 9,654 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 35,019 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 111,221 <ALLOWANCE> 2,617 <TOTAL-ASSETS> 176,114 <DEPOSITS> 160,496 <SHORT-TERM> 0 <LIABILITIES-OTHER> 850 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,518 <OTHER-SE> 6,250 <TOTAL-LIABILITIES-AND-EQUITY> 176,114 <INTEREST-LOAN> 2,564 <INTEREST-INVEST> 590 <INTEREST-OTHER> 42 <INTEREST-TOTAL> 3,196 <INTEREST-DEPOSIT> 1,035 <INTEREST-EXPENSE> 1,035 <INTEREST-INCOME-NET> 2,161 <LOAN-LOSSES> 35 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,339 <INCOME-PRETAX> 449 <INCOME-PRE-EXTRAORDINARY> 449 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 346 <EPS-BASIC> 0.23 <EPS-DILUTED> 0.22 <YIELD-ACTUAL> 5.40 <LOANS-NON> 4,627 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,580 <CHARGE-OFFS> 4 <RECOVERIES> 6 <ALLOWANCE-CLOSE> 2,617 <ALLOWANCE-DOMESTIC> 2,617 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,667