<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM  10-QSB FOR  GUARANTY  FINANCIAL  CORPORATION  FOR THE
PERIOD  ENDED MARCH 31, 2000 AND IS  QUALIFIED  IN ITS  ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                              12,877
<INT-BEARING-DEPOSITS>                               3,052
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         23,911
<INVESTMENTS-CARRYING>                               1,296
<INVESTMENTS-MARKET>                                 1,305
<LOANS>                                            220,281
<ALLOWANCE>                                          1,433
<TOTAL-ASSETS>                                     273,137
<DEPOSITS>                                         220,754
<SHORT-TERM>                                        25,000
<LIABILITIES-OTHER>                                    475
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             2,452
<OTHER-SE>                                          12,081
<TOTAL-LIABILITIES-AND-EQUITY>                     273,137
<INTEREST-LOAN>                                      4,768
<INTEREST-INVEST>                                      470
<INTEREST-OTHER>                                        89
<INTEREST-TOTAL>                                     5,327
<INTEREST-DEPOSIT>                                   2,362
<INTEREST-EXPENSE>                                   3,019
<INTEREST-INCOME-NET>                                2,308
<LOAN-LOSSES>                                          130
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      2,022
<INCOME-PRETAX>                                        370
<INCOME-PRE-EXTRAORDINARY>                             370
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           244
<EPS-BASIC>                                           0.12
<EPS-DILUTED>                                         0.12
<YIELD-ACTUAL>                                        8.57
<LOANS-NON>                                          1,252
<LOANS-PAST>                                         1,779
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      2,045
<ALLOWANCE-OPEN>                                     1,203
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,333
<ALLOWANCE-DOMESTIC>                                 1,333
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0