<TABLE> <S> <C>

<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE SEC FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                              1

<S>                                                            <C>
<PERIOD-TYPE>                                                         3-MOS
<FISCAL-YEAR-END>                                               DEC-31-2000
<PERIOD-START>                                                  JAN-01-2000
<PERIOD-END>                                                    MAR-31-2000
<CASH>                                                            5,873,290
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                      31,232,646
<INVESTMENTS-CARRYING>                                                    0
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                         117,015,400
<ALLOWANCE>                                                       1,630,533
<TOTAL-ASSETS>                                                  162,059,117
<DEPOSITS>                                                      118,458,832
<SHORT-TERM>                                                      2,726,133
<LIABILITIES-OTHER>                                               1,248,309
<LONG-TERM>                                                      25,000,000
<COMMON>                                                          7,846,708
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                        6,779,135
<TOTAL-LIABILITIES-AND-EQUITY>                                  162,059,117
<INTEREST-LOAN>                                                   2,564,686
<INTEREST-INVEST>                                                   483,408
<INTEREST-OTHER>                                                     10,162
<INTEREST-TOTAL>                                                  3,058,256
<INTEREST-DEPOSIT>                                                  920,321
<INTEREST-EXPENSE>                                                1,325,901
<INTEREST-INCOME-NET>                                             1,732,355
<LOAN-LOSSES>                                                        45,000
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                   1,574,711
<INCOME-PRETAX>                                                     494,884
<INCOME-PRE-EXTRAORDINARY>                                          494,884
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                        404,071
<EPS-BASIC>                                                          0.43
<EPS-DILUTED>                                                          0.43
<YIELD-ACTUAL>                                                         4.67
<LOANS-NON>                                                         437,369
<LOANS-PAST>                                                         34,361
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                  1,619,688
<CHARGE-OFFS>                                                        45,999
<RECOVERIES>                                                         11,844
<ALLOWANCE-CLOSE>                                                 1,630,533
<ALLOWANCE-DOMESTIC>                                              1,630,533
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                             567,095



</TABLE>