<TABLE> <S> <C>


<ARTICLE>                                                                      9
<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>                                                                       779
<INT-BEARING-DEPOSITS>                                                     7,937
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               15,936
<INVESTMENTS-CARRYING>                                                         0
<INVESTMENTS-MARKET>                                                           0
<LOANS>                                                                   93,482
<ALLOWANCE>                                                                  511
<TOTAL-ASSETS>                                                           125,259
<DEPOSITS>                                                                81,048
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        2,321
<LONG-TERM>                                                               26,000
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   5,515
<OTHER-SE>                                                                10,375
<TOTAL-LIABILITIES-AND-EQUITY>                                           125,259
<INTEREST-LOAN>                                                            1,865
<INTEREST-INVEST>                                                            261
<INTEREST-OTHER>                                                              83
<INTEREST-TOTAL>                                                           2,209
<INTEREST-DEPOSIT>                                                           909
<INTEREST-EXPENSE>                                                         1,243
<INTEREST-INCOME-NET>                                                        966
<LOAN-LOSSES>                                                                 71
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                              487
<INCOME-PRETAX>                                                              458
<INCOME-PRE-EXTRAORDINARY>                                                   307
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 307
<EPS-BASIC>                                                                  .28
<EPS-DILUTED>                                                                .28
<YIELD-ACTUAL>                                                              3.31
<LOANS-NON>                                                                  304
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             440
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            511
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      511



</TABLE>