<TABLE> <S> <C>

<ARTICLE>                                           9
<MULTIPLIER>                                        1,000

<S>                                                 <C>
<PERIOD-TYPE>                                                  3-MOS
<FISCAL-YEAR-END>                                   DEC-31-2000
<PERIOD-END>                                        MAR-31-2000
<CASH>                                                        12,755
<INT-BEARING-DEPOSITS>                                           333
<FED-FUNDS-SOLD>                                              11,257
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                    8,464
<INVESTMENTS-CARRYING>                                        14,020
<INVESTMENTS-MARKET>                                          13,531
<LOANS>                                                      159,244
<ALLOWANCE>                                                    2,449
<TOTAL-ASSETS>                                               223,474
<DEPOSITS>                                                   186,697
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                            2,742
<LONG-TERM>                                                      630
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                      100
<COMMON>                                                          42
<OTHER-SE>                                                    17,266
<TOTAL-LIABILITIES-AND-EQUITY>                               223,474
<INTEREST-LOAN>                                                3,799
<INTEREST-INVEST>                                                376
<INTEREST-OTHER>                                                  81
<INTEREST-TOTAL>                                              10,663
<INTEREST-DEPOSIT>                                             1,441
<INTEREST-EXPENSE>                                             1,689
<INTEREST-INCOME-NET>                                          2,567
<LOAN-LOSSES>                                                    150
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                2,817
<INCOME-PRETAX>                                                  287
<INCOME-PRE-EXTRAORDINARY>                                       287
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                     481
<EPS-BASIC>                                                   0.11
<EPS-DILUTED>                                                   0.11
<YIELD-ACTUAL>                                                  5.55
<LOANS-NON>                                                    2,563
<LOANS-PAST>                                                      41
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               2,341
<CHARGE-OFFS>                                                     42
<RECOVERIES>                                                       0
<ALLOWANCE-CLOSE>                                              2,449
<ALLOWANCE-DOMESTIC>                                           2,449
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          457


</TABLE>