<TABLE> <S> <C>

<ARTICLE>        9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  Consolidated  Balance  Sheet at  March  31,  2000  and the  unaudited
Consolidated  Statement of Operations  for the three months 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-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           1,547
<INT-BEARING-DEPOSITS>                           4,814
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,920
<INVESTMENTS-CARRYING>                             375
<INVESTMENTS-MARKET>                               355
<LOANS>                                         64,135
<ALLOWANCE>                                        835
<TOTAL-ASSETS>                                  85,145
<DEPOSITS>                                      71,698
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,398
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,586
<OTHER-SE>                                       6,463
<TOTAL-LIABILITIES-AND-EQUITY>                  85,145
<INTEREST-LOAN>                                  1,504
<INTEREST-INVEST>                                  150
<INTEREST-OTHER>                                    40
<INTEREST-TOTAL>                                 1,694
<INTEREST-DEPOSIT>                                 826
<INTEREST-EXPENSE>                                  40
<INTEREST-INCOME-NET>                              828
<LOAN-LOSSES>                                       35
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    689
<INCOME-PRETAX>                                    228
<INCOME-PRE-EXTRAORDINARY>                         172
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       172
<EPS-BASIC>                                       0.19
<EPS-DILUTED>                                     0.18
<YIELD-ACTUAL>                                    4.55
<LOANS-NON>                                      1,028
<LOANS-PAST>                                     1,178
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   800
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  835
<ALLOWANCE-DOMESTIC>                               835
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>