<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON THE FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                             864
<INT-BEARING-DEPOSITS>                             635
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     21,179
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         39,463
<ALLOWANCE>                                        233
<TOTAL-ASSETS>                                  64,273
<DEPOSITS>                                      33,915
<SHORT-TERM>                                     2,250
<LIABILITIES-OTHER>                                293
<LONG-TERM>                                     19,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             4
<OTHER-SE>                                       8,811
<TOTAL-LIABILITIES-AND-EQUITY>                  64,273
<INTEREST-LOAN>                                    774
<INTEREST-INVEST>                                  341
<INTEREST-OTHER>                                     8
<INTEREST-TOTAL>                                 1,123
<INTEREST-DEPOSIT>                                 400
<INTEREST-EXPENSE>                                 665
<INTEREST-INCOME-NET>                              458
<LOAN-LOSSES>                                        1
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    369
<INCOME-PRETAX>                                    100
<INCOME-PRE-EXTRAORDINARY>                          63
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        63
<EPS-BASIC>                                       0.15
<EPS-DILUTED>                                     0.15
<YIELD-ACTUAL>                                    3.14
<LOANS-NON>                                        565
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   232
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  233
<ALLOWANCE-DOMESTIC>                               203
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             30