<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM 10-Q FOR THE  COMPANY  FOR THE PERIOD  ENDED MARCH 31,
2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE  FINANCIAL  STATEMENTS
AND OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER>                                     1

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                                DEC-31-2000
<PERIOD-END>                                     MAR-31-2000
<CASH>                                             5,274,669
<INT-BEARING-DEPOSITS>                                     0
<FED-FUNDS-SOLD>                                   8,042,428
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                       17,401,606
<INVESTMENTS-CARRYING>                            12,333,472
<INVESTMENTS-MARKET>                              12,317,958
<LOANS>                                          126,311,431
<ALLOWANCE>                                        1,812,601
<TOTAL-ASSETS>                                   172,571,255
<DEPOSITS>                                       152,783,287
<SHORT-TERM>                                               0
<LIABILITIES-OTHER>                                1,390,050
<LONG-TERM>                                                0
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                           2,148,710
<OTHER-SE>                                        16,249,208
<TOTAL-LIABILITIES-AND-EQUITY>                   172,571,255
<INTEREST-LOAN>                                    2,588,740
<INTEREST-INVEST>                                    419,834
<INTEREST-OTHER>                                     114,547
<INTEREST-TOTAL>                                   3,123,121
<INTEREST-DEPOSIT>                                 1,577,015
<INTEREST-EXPENSE>                                 1,577,015
<INTEREST-INCOME-NET>                              1,546,106
<LOAN-LOSSES>                                         60,000
<SECURITIES-GAINS>                                     2,738
<EXPENSE-OTHER>                                      868,904
<INCOME-PRETAX>                                      674,478
<INCOME-PRE-EXTRAORDINARY>                           564,478
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                         564,478
<EPS-BASIC>                                             0.33
<EPS-DILUTED>                                           0.33
<YIELD-ACTUAL>                                           3.8
<LOANS-NON>                                          283,385
<LOANS-PAST>                                         662,603
<LOANS-TROUBLED>                                     409,070
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                   1,731,096
<CHARGE-OFFS>                                          8,269
<RECOVERIES>                                          29,774
<ALLOWANCE-CLOSE>                                  1,812,601
<ALLOWANCE-DOMESTIC>                               1,812,601
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0



</TABLE>