<TABLE> <S> <C>

<ARTICLE>                     9

<S>                                                                                                        <C>
<FISCAL-YEAR-END>                                                                                      DEC-31-2000
<PERIOD-START>                                                                                          JAN-1-2000
<PERIOD-END>                                                                                           MAR-31-2000
<PERIOD-TYPE>                                                                                                3-MOS
<CASH>                                                                                                   4,200,056
<INT-BEARING-DEPOSITS>                                                                                           0
<FED-FUNDS-SOLD>                                                                                         3,390,000
<TRADING-ASSETS>                                                                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                                                             19,299,134
<INVESTMENTS-CARRYING>                                                                                   5,133,378
<INVESTMENTS-MARKET>                                                                                     4,972,141
<LOANS>                                                                                                 62,704,883
<ALLOWANCE>                                                                                              1,123,700
<TOTAL-ASSETS>                                                                                          97,225,524
<DEPOSITS>                                                                                              87,558,210
<SHORT-TERM>                                                                                               260,000
<LIABILITIES-OTHER>                                                                                        835,961
<LONG-TERM>                                                                                                      0
<PREFERRED-MANDATORY>                                                                                            0
<PREFERRED>                                                                                                      0
<COMMON>                                                                                                 1,500,000
<OTHER-SE>                                                                                               7,071,353
<TOTAL-LIABILITIES-AND-EQUITY>                                                                          97,225,524
<INTEREST-LOAN>                                                                                          1,410,661
<INTEREST-INVEST>                                                                                          358,276
<INTEREST-OTHER>                                                                                            66,641
<INTEREST-TOTAL>                                                                                         1,835,578
<INTEREST-DEPOSIT>                                                                                         822,698
<INTEREST-EXPENSE>                                                                                           2,919
<INTEREST-INCOME-NET>                                                                                    1,009,961
<LOAN-LOSSES>                                                                                               75,000
<SECURITIES-GAINS>                                                                                               0
<EXPENSE-OTHER>                                                                                            466,648
<INCOME-PRETAX>                                                                                            592,903
<INCOME-PRE-EXTRAORDINARY>                                                                                 592,903
<EXTRAORDINARY>                                                                                                  0
<CHANGES>                                                                                                        0
<NET-INCOME>                                                                                               406,220
<EPS-BASIC>                                                                                                   1.48
<EPS-DILUTED>                                                                                                 1.48
<YIELD-ACTUAL>                                                                                                4.51
<LOANS-NON>                                                                                              1,020,349
<LOANS-PAST>                                                                                                     0
<LOANS-TROUBLED>                                                                                                 0
<LOANS-PROBLEM>                                                                                            963,166
<ALLOWANCE-OPEN>                                                                                         1,086,980
<CHARGE-OFFS>                                                                                               40,240
<RECOVERIES>                                                                                                 1,960
<ALLOWANCE-CLOSE>                                                                                        1,123,700
<ALLOWANCE-DOMESTIC>                                                                                     1,123,700
<ALLOWANCE-FOREIGN>                                                                                              0
<ALLOWANCE-UNALLOCATED>                                                                                          0


</TABLE>