<TABLE> <S> <C>

<ARTICLE>             9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE FISCAL QUARTER ENDED MARCH 31, 2000 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                                      DEC-31-2000
<PERIOD-END>                                           MAR-31-2000
<CASH>                                                 431
<INT-BEARING-DEPOSITS>                                 5,283
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                            40,021
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                                70,903
<ALLOWANCE>                                            274
<TOTAL-ASSETS>                                         121,466
<DEPOSITS>                                             65,972
<SHORT-TERM>                                           22,400
<LIABILITIES-OTHER>                                    5,410
<LONG-TERM>                                            13,417
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                               22
<OTHER-SE>                                             14,245
<TOTAL-LIABILITIES-AND-EQUITY>                         121,466
<INTEREST-LOAN>                                        1,469
<INTEREST-INVEST>                                      677
<INTEREST-OTHER>                                       110
<INTEREST-TOTAL>                                       2,256
<INTEREST-DEPOSIT>                                     758
<INTEREST-EXPENSE>                                     1,257
<INTEREST-INCOME-NET>                                  999
<LOAN-LOSSES>                                          7
<SECURITIES-GAINS>                                     (58)
<EXPENSE-OTHER>                                        436
<INCOME-PRETAX>                                        535
<INCOME-PRE-EXTRAORDINARY>                             535
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                           386
<EPS-BASIC>                                          0.25
<EPS-DILUTED>                                          0.25
<YIELD-ACTUAL>                                         3.37
<LOANS-NON>                                            1,513
<LOANS-PAST>                                           2,140
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                       267
<CHARGE-OFFS>                                          7
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                      274
<ALLOWANCE-DOMESTIC>                                   0
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0



</TABLE>