<TABLE> <S> <C>

<ARTICLE>                                            9
<MULTIPLIER>                              1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                            DEC-31-2000
<PERIOD-END>                                 MAR-31-2000
<CASH>                                                   6,320
<INT-BEARING-DEPOSITS>                                   8,127
<FED-FUNDS-SOLD>                                         3,030
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             47,005
<INVESTMENTS-CARRYING>                                       0
<INVESTMENTS-MARKET>                                         0
<LOANS>                                                175,445
<ALLOWANCE>                                              2,582
<TOTAL-ASSETS>                                         245,358
<DEPOSITS>                                             189,710
<SHORT-TERM>                                                 0
<LIABILITIES-OTHER>                                      9,362
<LONG-TERM>                                             15,000
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                34,806
<OTHER-SE>                                              (3,520)
<TOTAL-LIABILITIES-AND-EQUITY>                         245,358
<INTEREST-LOAN>                                          3,666
<INTEREST-INVEST>                                          765
<INTEREST-OTHER>                                           131
<INTEREST-TOTAL>                                         4,562
<INTEREST-DEPOSIT>                                       2,085
<INTEREST-EXPENSE>                                       2,407
<INTEREST-INCOME-NET>                                    2,155
<LOAN-LOSSES>                                              255
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                          1,877
<INCOME-PRETAX>                                              0
<INCOME-PRE-EXTRAORDINARY>                                 400
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                               400
<EPS-BASIC>                                               0.11
<EPS-DILUTED>                                             0.11
<YIELD-ACTUAL>                                            3.69
<LOANS-NON>                                                 65
<LOANS-PAST>                                               902
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         2,328
<CHARGE-OFFS>                                                2
<RECOVERIES>                                                 1
<ALLOWANCE-CLOSE>                                        2,582
<ALLOWANCE-DOMESTIC>                                     2,582
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0


</TABLE>