<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH 31,
31, 2000 FINANCIAL STATEMENT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                             739
<INT-BEARING-DEPOSITS>                           2,889
<FED-FUNDS-SOLD>                                   190
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     17,426
<INVESTMENTS-CARRYING>                           2,231
<INVESTMENTS-MARKET>                             2,366
<LOANS>                                         95,390
<ALLOWANCE>                                      1,072
<TOTAL-ASSETS>                                 122,080
<DEPOSITS>                                      83,465
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                760
<LONG-TERM>                                     14,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        15,021
<OTHER-SE>                                       8,834
<TOTAL-LIABILITIES-AND-EQUITY>                 122,080
<INTEREST-LOAN>                                  1,839
<INTEREST-INVEST>                                  310
<INTEREST-OTHER>                                    31
<INTEREST-TOTAL>                                 2,180
<INTEREST-DEPOSIT>                                 938
<INTEREST-EXPENSE>                               1,082
<INTEREST-INCOME-NET>                            1,098
<LOAN-LOSSES>                                       15
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    753
<INCOME-PRETAX>                                    626
<INCOME-PRE-EXTRAORDINARY>                         626
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       383
<EPS-BASIC>                                        .26
<EPS-DILUTED>                                      .26
<YIELD-ACTUAL>                                    3.91
<LOANS-NON>                                        169
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,057
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,072
<ALLOWANCE-DOMESTIC>                             1,072
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,072