<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