<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
The schedule contains summary information extracted from the
quarterly report on Form 10-QSB for the quarter 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-END>                                   MAR-31-2000
<CASH>                                                1748
<INT-BEARING-DEPOSITS>                                8578
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          10473
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             226968
<ALLOWANCE>                                            929
<TOTAL-ASSETS>                                      259996
<DEPOSITS>                                          181606
<SHORT-TERM>                                         56758
<LIABILITIES-OTHER>                                   1253
<LONG-TERM>                                            112
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                14
<OTHER-SE>                                           20253
<TOTAL-LIABILITIES-AND-EQUITY>                      239729
<INTEREST-LOAN>                                       4585
<INTEREST-INVEST>                                      213
<INTEREST-OTHER>                                        62
<INTEREST-TOTAL>                                      4860
<INTEREST-DEPOSIT>                                    1860
<INTEREST-EXPENSE>                                    2745
<INTEREST-INCOME-NET>                                 2115
<LOAN-LOSSES>                                           36
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                       1460
<INCOME-PRETAX>                                        882
<INCOME-PRE-EXTRAORDINARY>                             882
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           544
<EPS-BASIC>                                         0.41
<EPS-DILUTED>                                         0.41
<YIELD-ACTUAL>                                        3.42
<LOANS-NON>                                            385
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                       1321
<ALLOWANCE-OPEN>                                       894
<CHARGE-OFFS>                                            1
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      929
<ALLOWANCE-DOMESTIC>                                   929
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                228


</TABLE>