<TABLE> <S> <C>

<ARTICLE>           9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  Consolidated  Balance  Sheet at  March  31,  2000  and the  unaudited
Consolidated  Statement  of Income for the three months 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-31-1999
<PERIOD-END>                                                      MAR-31-2000
<CASH>                                                                  1,948
<INT-BEARING-DEPOSITS>                                                  2,456
<FED-FUNDS-SOLD>                                                        2,250
<TRADING-ASSETS>                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                             3,103
<INVESTMENTS-CARRYING>                                                      0
<INVESTMENTS-MARKET>                                                        0
<LOANS>                                                                50,221
<ALLOWANCE>                                                               865
<TOTAL-ASSETS>                                                         65,544
<DEPOSITS>                                                             45,885
<SHORT-TERM>                                                            4,500
<LIABILITIES-OTHER>                                                       612
<LONG-TERM>                                                             4,800
<PREFERRED-MANDATORY>                                                       0
<PREFERRED>                                                                 0
<COMMON>                                                               10,520
<OTHER-SE>                                                               (774)
<TOTAL-LIABILITIES-AND-EQUITY>                                         65,544
<INTEREST-LOAN>                                                         1,170
<INTEREST-INVEST>                                                          58
<INTEREST-OTHER>                                                           17
<INTEREST-TOTAL>                                                        1,244
<INTEREST-DEPOSIT>                                                        498
<INTEREST-EXPENSE>                                                        603
<INTEREST-INCOME-NET>                                                     641
<LOAN-LOSSES>                                                              30
<SECURITIES-GAINS>                                                          0
<EXPENSE-OTHER>                                                           643
<INCOME-PRETAX>                                                            56
<INCOME-PRE-EXTRAORDINARY>                                                 37
<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                               37
<EPS-BASIC>                                                              0.04
<EPS-DILUTED>                                                            0.04
<YIELD-ACTUAL>                                                           4.56
<LOANS-NON>                                                                 0
<LOANS-PAST>                                                                0
<LOANS-TROUBLED>                                                            0
<LOANS-PROBLEM>                                                             0
<ALLOWANCE-OPEN>                                                          835
<CHARGE-OFFS>                                                               0
<RECOVERIES>                                                                0
<ALLOWANCE-CLOSE>                                                         865
<ALLOWANCE-DOMESTIC>                                                      865
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                     0


</TABLE>