<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-QSB
FOR THE PERIOD ENDED MARCH 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                             771
<INT-BEARING-DEPOSITS>                             996
<FED-FUNDS-SOLD>                                 2,662
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,172
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                          3,137
<ALLOWANCE>                                         39
<TOTAL-ASSETS>                                  14,940
<DEPOSITS>                                       8,090
<SHORT-TERM>                                       993
<LIABILITIES-OTHER>                                 22
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             7
<OTHER-SE>                                       5,828
<TOTAL-LIABILITIES-AND-EQUITY>                  14,940
<INTEREST-LOAN>                                     41
<INTEREST-INVEST>                                   85
<INTEREST-OTHER>                                   136
<INTEREST-TOTAL>                                   262
<INTEREST-DEPOSIT>                                  73
<INTEREST-EXPENSE>                                 155
<INTEREST-INCOME-NET>                              107
<LOAN-LOSSES>                                       28
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    323<F1>
<INCOME-PRETAX>                                   (240)
<INCOME-PRE-EXTRAORDINARY>                        (150)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (150)
<EPS-BASIC>                                       (.21)
<EPS-DILUTED>                                     (.21)
<YIELD-ACTUAL>                                     2.4
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    11
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   39
<ALLOWANCE-DOMESTIC>                                39
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $169, occupancy of
$66, advertising fee of $6, stationery and supplies of $13, professional fees
of $32, data processing of $18 and other expenses which totaled $19.
</FN>


</TABLE>