<ARTICLE> 9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                       2,244,941
<INT-BEARING-DEPOSITS>                       4,737,911
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 47,720,488
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    294,319,524
<ALLOWANCE>                                  2,788,062
<TOTAL-ASSETS>                             367,744,453
<DEPOSITS>                                 268,916,986
<SHORT-TERM>                                30,000,000
<LIABILITIES-OTHER>                          2,829,164
<LONG-TERM>                                 30,686,130
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        40,111
<OTHER-SE>                                  35,272,062
<TOTAL-LIABILITIES-AND-EQUITY>             367,744,453
<INTEREST-LOAN>                              5,736,906
<INTEREST-INVEST>                              793,355
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             6,530,261
<INTEREST-DEPOSIT>                           2,951,575
<INTEREST-EXPENSE>                           3,785,931
<INTEREST-INCOME-NET>                        2,744,330
<LOAN-LOSSES>                                   30,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,112,693
<INCOME-PRETAX>                              1,556,921
<INCOME-PRE-EXTRAORDINARY>                   1,556,921
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,007,104
<EPS-BASIC>                                       0.48
<EPS-DILUTED>                                     0.47
<YIELD-ACTUAL>                                    7.49
<LOANS-NON>                                    761,577
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,776,539
<CHARGE-OFFS>                                   19,605
<RECOVERIES>                                     1,128
<ALLOWANCE-CLOSE>                            2,788,062
<ALLOWANCE-DOMESTIC>                         2,788,062
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0