<ARTICLE> 9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                       7,541,653
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<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                        49,465,468
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<ALLOWANCE>                                  1,356,045
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<INTEREST-TOTAL>                             3,356,065
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<SECURITIES-GAINS>                                   0
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<EPS-BASIC>                                        .26
<EPS-DILUTED>                                      .26
<YIELD-ACTUAL>                                    5.20
<LOANS-NON>                                    475,732
<LOANS-PAST>                                   103,102
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-UNALLOCATED>                        475,045