<TABLE> <S> <C>

<ARTICLE>         9

<S>                                         <C>
<PERIOD-TYPE>                               3-MOS
<FISCAL-YEAR-END>                                    DEC-31-2000
<PERIOD-START>                                       JAN-01-2000
<PERIOD-END>                                         MAR-31-2000
<CASH>                                                13,217,897
<INT-BEARING-DEPOSITS>                               148,355,683
<FED-FUNDS-SOLD>                                         177,714
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                           37,817,647
<INVESTMENTS-CARRYING>                                         0
<INVESTMENTS-MARKET>                                           0
<LOANS>                                              155,968,959
<ALLOWANCE>                                            2,739,374
<TOTAL-ASSETS>                                       218,679,428
<DEPOSITS>                                           181,467,713
<SHORT-TERM>                                                   0
<LIABILITIES-OTHER>                                      636,171
<LONG-TERM>                                            1,329,862
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                 788,924
<OTHER-SE>                                            22,766,318
<TOTAL-LIABILITIES-AND-EQUITY>                       218,679,428
<INTEREST-LOAN>                                        4,081,164
<INTEREST-INVEST>                                        617,531
<INTEREST-OTHER>                                          82,248
<INTEREST-TOTAL>                                       4,780,943
<INTEREST-DEPOSIT>                                     1,676,510
<INTEREST-EXPENSE>                                     1,770,047
<INTEREST-INCOME-NET>                                  3,010,896
<LOAN-LOSSES>                                            136,986
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                        2,353,118
<INCOME-PRETAX>                                        1,109,101
<INCOME-PRE-EXTRAORDINARY>                             1,109,101
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                             744,245
<EPS-BASIC>                                                 0.94
<EPS-DILUTED>                                                  0
<YIELD-ACTUAL>                                              6.21
<LOANS-NON>                                            1,419,000
<LOANS-PAST>                                             204,000
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                       2,588,697
<CHARGE-OFFS>                                             63,669
<RECOVERIES>                                              77,360
<ALLOWANCE-CLOSE>                                      2,739,374
<ALLOWANCE-DOMESTIC>                                   2,739,374
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0


</TABLE>