<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-END>                               MAR-31-2000             MAR-31-1999
<CASH>                                           4,666                   2,746
<INT-BEARING-DEPOSITS>                           2,379                      86
<FED-FUNDS-SOLD>                                 9,400                  11,300
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     37,575                  36,673
<INVESTMENTS-CARRYING>                          31,199                  28,669
<INVESTMENTS-MARKET>                            29,409                  28,257
<LOANS>                                         81,735                  72,610
<ALLOWANCE>                                        929                   1,075
<TOTAL-ASSETS>                                 175,687                 158,076
<DEPOSITS>                                     148,049                 125,637
<SHORT-TERM>                                     5,370                   5,072
<LIABILITIES-OTHER>                              1,570                   1,623
<LONG-TERM>                                     11,725                  15,749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                      1,047                   1,547
<COMMON>                                         2,151                   2,126
<OTHER-SE>                                       6,822                   6,428
<TOTAL-LIABILITIES-AND-EQUITY>                 175,687                 158,076
<INTEREST-LOAN>                                  1,755                   1,512
<INTEREST-INVEST>                                1,253                   1,028
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                 3,008                   2,540
<INTEREST-DEPOSIT>                               1,384                     914
<INTEREST-EXPENSE>                                 246                     252
<INTEREST-INCOME-NET>                            1,378                   1,374
<LOAN-LOSSES>                                      304                      43
<SECURITIES-GAINS>                                (13)                      15
<EXPENSE-OTHER>                                  1,397                   1,279
<INCOME-PRETAX>                                     43                     465
<INCOME-PRE-EXTRAORDINARY>                          43                     465
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                        70                     306
<EPS-BASIC>                                      (.14)                    1.68
<EPS-DILUTED>                                    (.14)                    1.53
<YIELD-ACTUAL>                                    3.50                    3.94
<LOANS-NON>                                      1,138                   1,091
<LOANS-PAST>                                       114                     347
<LOANS-TROUBLED>                                     0                   1,261
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 1,975                   1,415
<CHARGE-OFFS>                                    1,384                     401
<RECOVERIES>                                        33                      18
<ALLOWANCE-CLOSE>                                  929                   1,075
<ALLOWANCE-DOMESTIC>                               929                   1,030
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                      45


</TABLE>