<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                            1,000

<S>                                     <C>
<PERIOD-TYPE>                              3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                             489
<INT-BEARING-DEPOSITS>                           5,319
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,718
<INVESTMENTS-CARRYING>                           1,625
<INVESTMENTS-MARKET>                             1,542
<LOANS>                                         31,608
<ALLOWANCE>                                        186
<TOTAL-ASSETS>                                  56,191
<DEPOSITS>                                      41,135
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                605
<LONG-TERM>                                      8,600
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            71
<OTHER-SE>                                       5,779
<TOTAL-LIABILITIES-AND-EQUITY>                  56,191
<INTEREST-LOAN>                                    582
<INTEREST-INVEST>                                  284
<INTEREST-OTHER>                                    33
<INTEREST-TOTAL>                                   899
<INTEREST-DEPOSIT>                                 397
<INTEREST-EXPENSE>                                 528
<INTEREST-INCOME-NET>                              372
<LOAN-LOSSES>                                       33
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    366
<INCOME-PRETAX>                                     37
<INCOME-PRE-EXTRAORDINARY>                          37
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        37
<EPS-BASIC>                                        .05
<EPS-DILUTED>                                      .05
<YIELD-ACTUAL>                                    2.98
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   187
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  220
<ALLOWANCE-DOMESTIC>                               220
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>