<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from the
company's financial statements for the period indicated 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>                                                     5721
<INT-BEARING-DEPOSITS>                                        0
<FED-FUNDS-SOLD>                                           1700
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                               20790
<INVESTMENTS-CARRYING>                                    15893
<INVESTMENTS-MARKET>                                      15356
<LOANS>                                                   75182
<ALLOWANCE>                                                1060
<TOTAL-ASSETS>                                           125268
<DEPOSITS>                                               104420
<SHORT-TERM>                                                  0
<LIABILITIES-OTHER>                                        1569
<LONG-TERM>                                                5000
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                      9
<OTHER-SE>                                                14270
<TOTAL-LIABILITIES-AND-EQUITY>                           125268
<INTEREST-LOAN>                                            1539
<INTEREST-INVEST>                                           574
<INTEREST-OTHER>                                             13
<INTEREST-TOTAL>                                           2126
<INTEREST-DEPOSIT>                                          802
<INTEREST-EXPENSE>                                          880
<INTEREST-INCOME-NET>                                      1246
<LOAN-LOSSES>                                                15
<SECURITIES-GAINS>                                          (13)
<EXPENSE-OTHER>                                            1289
<INCOME-PRETAX>                                             192
<INCOME-PRE-EXTRAORDINARY>                                  129
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                                129
<EPS-BASIC>                                                0.15
<EPS-DILUTED>                                              0.15
<YIELD-ACTUAL>                                             4.44
<LOANS-NON>                                                 952
<LOANS-PAST>                                                  0
<LOANS-TROUBLED>                                            250
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                           1069
<CHARGE-OFFS>                                                29
<RECOVERIES>                                                  5
<ALLOWANCE-CLOSE>                                          1060
<ALLOWANCE-DOMESTIC>                                       1060
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                       0


</TABLE>