<ARTICLE> 9
<MULTIPLIER> 1

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                       1,685,706
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,874
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,738,672
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     31,967,064
<ALLOWANCE>                                  (517,751)
<TOTAL-ASSETS>                              41,315,568
<DEPOSITS>                                  32,991,711
<SHORT-TERM>                                 2,961,636
<LIABILITIES-OTHER>                            853,063
<LONG-TERM>                                  2,655,116
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        21,430
<OTHER-SE>                                   1,832,612
<TOTAL-LIABILITIES-AND-EQUITY>              41,315,568
<INTEREST-LOAN>                                719,855
<INTEREST-INVEST>                               52,152
<INTEREST-OTHER>                                   388
<INTEREST-TOTAL>                               772,395
<INTEREST-DEPOSIT>                             366,851
<INTEREST-EXPENSE>                             462,001
<INTEREST-INCOME-NET>                          310,394
<LOAN-LOSSES>                                    1,000
<SECURITIES-GAINS>                               3,501
<EXPENSE-OTHER>                              1,027,799
<INCOME-PRETAX>                              (166,019)
<INCOME-PRE-EXTRAORDINARY>                   (175,392)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (175,392)
<EPS-BASIC>                                     (0.09)
<EPS-DILUTED>                                   (0.09)
<YIELD-ACTUAL>                                    3.61
<LOANS-NON>                                    396,000
<LOANS-PAST>                                   184,596
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                580,596
<ALLOWANCE-OPEN>                               532,585
<CHARGE-OFFS>                                   47,779
<RECOVERIES>                                    31,945
<ALLOWANCE-CLOSE>                              517,751
<ALLOWANCE-DOMESTIC>                           445,537
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         72,214