<TABLE> <S> <C>


<ARTICLE>           9

<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-Q FOR THE FISCAL QUARTER 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-END>                                    MAR-31-2000
<CASH>                                                2,747
<INT-BEARING-DEPOSITS>                                3,834
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                          31,905
<INVESTMENTS-CARRYING>                               58,983
<INVESTMENTS-MARKET>                                      0
<LOANS>                                             118,752
<ALLOWANCE>                                             795
<TOTAL-ASSETS>                                      223,650
<DEPOSITS>                                          152,664
<SHORT-TERM>                                         46,000
<LIABILITIES-OTHER>                                   5,448
<LONG-TERM>                                               0
<COMMON>                                                 21
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<OTHER-SE>                                           19,517
<TOTAL-LIABILITIES-AND-EQUITY>                      223,650
<INTEREST-LOAN>                                       2,120
<INTEREST-INVEST>                                     1,624
<INTEREST-OTHER>                                         56
<INTEREST-TOTAL>                                      3,800
<INTEREST-DEPOSIT>                                    1,397
<INTEREST-EXPENSE>                                    2,030
<INTEREST-INCOME-NET>                                 1,770
<LOAN-LOSSES>                                             0
<SECURITIES-GAINS>                                      (13)
<EXPENSE-OTHER>                                       1,192
<INCOME-PRETAX>                                         733
<INCOME-PRE-EXTRAORDINARY>                              733
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                            472
<EPS-BASIC>                                          0.35
<EPS-DILUTED>                                          0.35
<YIELD-ACTUAL>                                         3.27
<LOANS-NON>                                             213
<LOANS-PAST>                                            213
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                        795
<CHARGE-OFFS>                                             0
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                       795
<ALLOWANCE-DOMESTIC>                                      0
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                 795



</TABLE>