<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM
10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE UNAUDITED
CONSOLIDATED FINANCIAL STATEMENTS CONTAINED THEREIN.
</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>                                             956
<INT-BEARING-DEPOSITS>                             406
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,220
<INVESTMENTS-CARRYING>                              95
<INVESTMENTS-MARKET>                                95
<LOANS>                                          6,338
<ALLOWANCE>                                        112
<TOTAL-ASSETS>                                  75,788
<DEPOSITS>                                      38,607
<SHORT-TERM>                                    11,000
<LIABILITIES-OTHER>                                626
<LONG-TERM>                                     20,775
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                       4,780
<TOTAL-LIABILITIES-AND-EQUITY>                  75,788
<INTEREST-LOAN>                                  1,190
<INTEREST-INVEST>                                  153
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 1,343
<INTEREST-DEPOSIT>                                 451
<INTEREST-EXPENSE>                                 909
<INTEREST-INCOME-NET>                              434
<LOAN-LOSSES>                                       23
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    467
<INCOME-PRETAX>                                     51
<INCOME-PRE-EXTRAORDINARY>                          51
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        32
<EPS-BASIC>                                        .11
<EPS-DILUTED>                                      .11
<YIELD-ACTUAL>                                    7.27
<LOANS-NON>                                        150
<LOANS-PAST>                                         2
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     95
<ALLOWANCE-OPEN>                                    90
<CHARGE-OFFS>                                        3
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                  112
<ALLOWANCE-DOMESTIC>                               112
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0