<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 3,195,860 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3,077,302 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 25,028,065 <INVESTMENTS-CARRYING> 1,094,976 <INVESTMENTS-MARKET> 1,028,745 <LOANS> 70,319,104 <ALLOWANCE> 911,399 <TOTAL-ASSETS> 108,257,121 <DEPOSITS> 99,426,667 <SHORT-TERM> 1,335,304 <LIABILITIES-OTHER> 948,575 <LONG-TERM> 2,945,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,390 <OTHER-SE> 4,046,185 <TOTAL-LIABILITIES-AND-EQUITY> 108,257,121 <INTEREST-LOAN> 1,651,508 <INTEREST-INVEST> 421,285 <INTEREST-OTHER> 25,100 <INTEREST-TOTAL> 2,097,893 <INTEREST-DEPOSIT> 1,059,125 <INTEREST-EXPENSE> 1,139,828 <INTEREST-INCOME-NET> 958,065 <LOAN-LOSSES> 60,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 749,980 <INCOME-PRETAX> 234,373 <INCOME-PRE-EXTRAORDINARY> 158,306 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 158,306 <EPS-BASIC> 0.29 <EPS-DILUTED> 0.29 <YIELD-ACTUAL> 8.66 <LOANS-NON> 262,000 <LOANS-PAST> 624,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 842,328 <CHARGE-OFFS> 2,303 <RECOVERIES> 11,374 <ALLOWANCE-CLOSE> 911,399 <ALLOWANCE-DOMESTIC> 911,399 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0