<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q FOR THE COMPANY FOR THE PERIOD ENDED MARCH 31,
2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE FINANCIAL STATEMENTS
AND OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER> 1
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> MAR-31-2000
<CASH> 5,274,669
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 8,042,428
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 17,401,606
<INVESTMENTS-CARRYING> 12,333,472
<INVESTMENTS-MARKET> 12,317,958
<LOANS> 126,311,431
<ALLOWANCE> 1,812,601
<TOTAL-ASSETS> 172,571,255
<DEPOSITS> 152,783,287
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,390,050
<LONG-TERM> 0
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<COMMON> 2,148,710
<OTHER-SE> 16,249,208
<TOTAL-LIABILITIES-AND-EQUITY> 172,571,255
<INTEREST-LOAN> 2,588,740
<INTEREST-INVEST> 419,834
<INTEREST-OTHER> 114,547
<INTEREST-TOTAL> 3,123,121
<INTEREST-DEPOSIT> 1,577,015
<INTEREST-EXPENSE> 1,577,015
<INTEREST-INCOME-NET> 1,546,106
<LOAN-LOSSES> 60,000
<SECURITIES-GAINS> 2,738
<EXPENSE-OTHER> 868,904
<INCOME-PRETAX> 674,478
<INCOME-PRE-EXTRAORDINARY> 564,478
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 564,478
<EPS-BASIC> 0.33
<EPS-DILUTED> 0.33
<YIELD-ACTUAL> 3.8
<LOANS-NON> 283,385
<LOANS-PAST> 662,603
<LOANS-TROUBLED> 409,070
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,731,096
<CHARGE-OFFS> 8,269
<RECOVERIES> 29,774
<ALLOWANCE-CLOSE> 1,812,601
<ALLOWANCE-DOMESTIC> 1,812,601
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0