<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
    This schedule contains summary financial information extracted from the Form
10-QSB for the quarter ended March 31, 2000, and is qualified in its entirety by
reference to the unaudited financial statements contained herein.
</LEGEND>

<S>                                              <C>
<PERIOD-TYPE>                                    3-MOS
<FISCAL-YEAR-END>                                DEC-31-2000
<PERIOD-START>                                   JAN-01-2000
<PERIOD-END>                                     MAR-31-2000
<CASH>                                             1,546,267
<INT-BEARING-DEPOSITS>                             2,423,406
<FED-FUNDS-SOLD>                                           0
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                        2,922,800
<INVESTMENTS-CARRYING>                           170,398,404
<INVESTMENTS-MARKET>                             164,937,717
<LOANS>                                          160,134,821
<ALLOWANCE>                                        1,365,366
<TOTAL-ASSETS>                                   352,840,279
<DEPOSITS>                                       236,676,081
<SHORT-TERM>                                      11,000,000
<LIABILITIES-OTHER>                                2,414,686
<LONG-TERM>                                       54,997,869
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                              41,972
<OTHER-SE>                                        47,709,671
<TOTAL-LIABILITIES-AND-EQUITY>                   352,840,279
<INTEREST-LOAN>                                    2,916,530
<INTEREST-INVEST>                                  2,811,674
<INTEREST-OTHER>                                     123,789
<INTEREST-TOTAL>                                   5,851,993
<INTEREST-DEPOSIT>                                 2,139,250
<INTEREST-EXPENSE>                                 3,066,689
<INTEREST-INCOME-NET>                              2,785,304
<LOAN-LOSSES>                                              0
<SECURITIES-GAINS>                                         0
<EXPENSE-OTHER>                                    1,555,137
<INCOME-PRETAX>                                    1,377,215
<INCOME-PRE-EXTRAORDINARY>                           879,936
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                         879,936
<EPS-BASIC>                                             0.23
<EPS-DILUTED>                                           0.23
<YIELD-ACTUAL>                                          3.33
<LOANS-NON>                                          220,621
<LOANS-PAST>                                               0
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                   1,400,366
<CHARGE-OFFS>                                         35,000
<RECOVERIES>                                               0
<ALLOWANCE-CLOSE>                                  1,365,366
<ALLOWANCE-DOMESTIC>                                 941,366
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                              424,000


</TABLE>