<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-1-2000 <PERIOD-END> MAR-31-2000 <CASH> 6,506 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,350 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 49,431 <INVESTMENTS-MARKET> 49,275 <LOANS> 412,842 <ALLOWANCE> 2,749 <TOTAL-ASSETS> 506,424 <DEPOSITS> 455,079 <SHORT-TERM> 3,300 <LIABILITIES-OTHER> 0 <LONG-TERM> 1,500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 67 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 506,424 <INTEREST-LOAN> 11,250 <INTEREST-INVEST> 511 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 11,761 <INTEREST-DEPOSIT> 6,530 <INTEREST-EXPENSE> 7,221 <INTEREST-INCOME-NET> 4,540 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,150 <INCOME-PRETAX> 304 <INCOME-PRE-EXTRAORDINARY> 304 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 304 <EPS-BASIC> 0.05 <EPS-DILUTED> 0.05 <YIELD-ACTUAL> 3.66 <LOANS-NON> 2,871 <LOANS-PAST> 0 <LOANS-TROUBLED> 2,871 <LOANS-PROBLEM> 1,752 <ALLOWANCE-OPEN> 2,749 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 2,749 <ALLOWANCE-DOMESTIC> 2,749 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0