<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>                                                                                          3,631
<INT-BEARING-DEPOSITS>                                                                             66
<FED-FUNDS-SOLD>                                                                                3,250
<TRADING-ASSETS>                                                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                                                     5,564
<INVESTMENTS-CARRYING>                                                                            992
<INVESTMENTS-MARKET>                                                                              945
<LOANS>                                                                                        72,361
<ALLOWANCE>                                                                                       450
<TOTAL-ASSETS>                                                                                 90,892
<DEPOSITS>                                                                                     81,751
<SHORT-TERM>                                                                                        0
<LIABILITIES-OTHER>                                                                               343
<LONG-TERM>                                                                                       154
<PREFERRED-MANDATORY>                                                                               0
<PREFERRED>                                                                                         0
<COMMON>                                                                                        4,241
<OTHER-SE>                                                                                      4,403
<TOTAL-LIABILITIES-AND-EQUITY>                                                                 90,892
<INTEREST-LOAN>                                                                                 1,590
<INTEREST-INVEST>                                                                                  95
<INTEREST-OTHER>                                                                                   63
<INTEREST-TOTAL>                                                                                1,748
<INTEREST-DEPOSIT>                                                                                780
<INTEREST-EXPENSE>                                                                                783
<INTEREST-INCOME-NET>                                                                             965
<LOAN-LOSSES>                                                                                      74
<SECURITIES-GAINS>                                                                                  0
<EXPENSE-OTHER>                                                                                   911
<INCOME-PRETAX>                                                                                    90
<INCOME-PRE-EXTRAORDINARY>                                                                         90
<EXTRAORDINARY>                                                                                     0
<CHANGES>                                                                                           0
<NET-INCOME>                                                                                       57
<EPS-BASIC>                                                                                    0.04
<EPS-DILUTED>                                                                                    0.04
<YIELD-ACTUAL>                                                                                   4.80
<LOANS-NON>                                                                                       362
<LOANS-PAST>                                                                                        0
<LOANS-TROUBLED>                                                                                    0
<LOANS-PROBLEM>                                                                                 1,096
<ALLOWANCE-OPEN>                                                                                  401
<CHARGE-OFFS>                                                                                      27
<RECOVERIES>                                                                                        2
<ALLOWANCE-CLOSE>                                                                                 450
<ALLOWANCE-DOMESTIC>                                                                              450
<ALLOWANCE-FOREIGN>                                                                                 0
<ALLOWANCE-UNALLOCATED>                                                                             0


</TABLE>