<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