<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 6,541 <INT-BEARING-DEPOSITS> 36 <FED-FUNDS-SOLD> 5,912 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 25,238 <INVESTMENTS-CARRYING> 16,780 <INVESTMENTS-MARKET> 16,322 <LOANS> 85,039 <ALLOWANCE> 1,674 <TOTAL-ASSETS> 144,233 <DEPOSITS> 120,210 <SHORT-TERM> 7,751 <LIABILITIES-OTHER> 1,022 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11 <OTHER-SE> 15,239 <TOTAL-LIABILITIES-AND-EQUITY> 144,233 <INTEREST-LOAN> 1,872 <INTEREST-INVEST> 642 <INTEREST-OTHER> 77 <INTEREST-TOTAL> 2,591 <INTEREST-DEPOSIT> 782 <INTEREST-EXPENSE> 833 <INTEREST-INCOME-NET> 1,758 <LOAN-LOSSES> 41 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,226 <INCOME-PRETAX> 664 <INCOME-PRE-EXTRAORDINARY> 395 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 395 <EPS-BASIC> 0.35 <EPS-DILUTED> 0.35 <YIELD-ACTUAL> 5.38 <LOANS-NON> 1,196 <LOANS-PAST> 109 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,626 <CHARGE-OFFS> 0 <RECOVERIES> 7 <ALLOWANCE-CLOSE> 1,674 <ALLOWANCE-DOMESTIC> 1,674 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0