<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