<TABLE> <S> <C>

<ARTICLE>                                           9
<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>                                                                 2,214
<INT-BEARING-DEPOSITS>                                                    65
<FED-FUNDS-SOLD>                                                           0
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                                0
<INVESTMENTS-CARRYING>                                                24,328
<INVESTMENTS-MARKET>                                                  23,589
<LOANS>                                                              131,630
<ALLOWANCE>                                                           (1,379)
<TOTAL-ASSETS>                                                       165,580
<DEPOSITS>                                                           135,607
<SHORT-TERM>                                                          14,600
<LIABILITIES-OTHER>                                                    1,435
<LONG-TERM>                                                                0
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                              552
<COMMON>                                                               9,142
<OTHER-SE>                                                              (677)
<TOTAL-LIABILITIES-AND-EQUITY>                                       165,580
<INTEREST-LOAN>                                                        2,686
<INTEREST-INVEST>                                                        364
<INTEREST-OTHER>                                                          17
<INTEREST-TOTAL>                                                       3,067
<INTEREST-DEPOSIT>                                                     1,143
<INTEREST-EXPENSE>                                                     1,390
<INTEREST-INCOME-NET>                                                  1,677
<LOAN-LOSSES>                                                             90
<SECURITIES-GAINS>                                                         0
<EXPENSE-OTHER>                                                            0
<INCOME-PRETAX>                                                          281
<INCOME-PRE-EXTRAORDINARY>                                               281
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                             167
<EPS-BASIC>                                                             0.17
<EPS-DILUTED>                                                           0.17
<YIELD-ACTUAL>                                                         0.079
<LOANS-NON>                                                              831
<LOANS-PAST>                                                               0
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                            0
<ALLOWANCE-OPEN>                                                      (1,439)
<CHARGE-OFFS>                                                            149
<RECOVERIES>                                                               0
<ALLOWANCE-CLOSE>                                                     (1,379)
<ALLOWANCE-DOMESTIC>                                                  (1,379)
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                  314


</TABLE>