<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-2000 <CASH> 357,584 <INT-BEARING-DEPOSITS> 4,530,627 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 55,264,684 <INVESTMENTS-CARRYING> 1,669,665 <INVESTMENTS-MARKET> 1,669,665 <LOANS> 153,093,342 <ALLOWANCE> 1,747,318 <TOTAL-ASSETS> 225,383,202 <DEPOSITS> 156,563,059 <SHORT-TERM> 23,953,028 <LIABILITIES-OTHER> 2,234,526 <LONG-TERM> 21,400,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,883 <OTHER-SE> 21,224,706 <TOTAL-LIABILITIES-AND-EQUITY> 225,383,202 <INTEREST-LOAN> 3,264,905 <INTEREST-INVEST> 1,050,049 <INTEREST-OTHER> 20,294 <INTEREST-TOTAL> 4,335,248 <INTEREST-DEPOSIT> 1,410,626 <INTEREST-EXPENSE> 637,495 <INTEREST-INCOME-NET> 2,287,127 <LOAN-LOSSES> 90,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,567,524 <INCOME-PRETAX> 921,722 <INCOME-PRE-EXTRAORDINARY> 921,722 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 621,722 <EPS-BASIC> 0.79 <EPS-DILUTED> 0.75 <YIELD-ACTUAL> 4.17 <LOANS-NON> 618,014 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,653,290 <CHARGE-OFFS> 0 <RECOVERIES> 4,027 <ALLOWANCE-CLOSE> 1,747,318 <ALLOWANCE-DOMESTIC> 1,747,318 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0