<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 13,988,288 <INT-BEARING-DEPOSITS> 6,384,719 <FED-FUNDS-SOLD> 36,050,206 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 22,042,681 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 264,972,307 <ALLOWANCE> 2,999,000 <TOTAL-ASSETS> 351,922,104 <DEPOSITS> 275,470,634 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,677,641 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 51,867,516 <OTHER-SE> (1,656,773) <TOTAL-LIABILITIES-AND-EQUITY> 351,922,104 <INTEREST-LOAN> 6,305,410 <INTEREST-INVEST> 360,903 <INTEREST-OTHER> 576,525 <INTEREST-TOTAL> 7,242,838 <INTEREST-DEPOSIT> 2,245,610 <INTEREST-EXPENSE> 2,245,610 <INTEREST-INCOME-NET> 4,997,228 <LOAN-LOSSES> 632,452 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,498,403 <INCOME-PRETAX> 109,849 <INCOME-PRE-EXTRAORDINARY> 115,849 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 115,849 <EPS-BASIC> .02 <EPS-DILUTED> .02 <YIELD-ACTUAL> 0 <LOANS-NON> 670,000 <LOANS-PAST> 137,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,371,000 <CHARGE-OFFS> 4,452 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 2,999,000 <ALLOWANCE-DOMESTIC> 2,999,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,589,000