<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   12-MOS
<FISCAL-YEAR-END>                          MAR-31-2000             DEC-31-1999
<PERIOD-END>                               MAR-31-2000             DEC-31-1999
<CASH>                                           4,241                   7,921
<INT-BEARING-DEPOSITS>                           7,787                   9,354
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      4,997                   5,006
<INVESTMENTS-CARRYING>                          76,082                  71,711
<INVESTMENTS-MARKET>                            72,363                  67,841
<LOANS>                                        165,135                 177,239
<ALLOWANCE>                                      1,349                   1,231
<TOTAL-ASSETS>                                 262,122                 279,606
<DEPOSITS>                                     188,132                 193,210
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                             37,230                  50,351
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                      36,760                  36,047
<TOTAL-LIABILITIES-AND-EQUITY>                 262,122                 279,606
<INTEREST-LOAN>                                  4,134                  13,457
<INTEREST-INVEST>                                1,259                   4,165
<INTEREST-OTHER>                                    27                     939
<INTEREST-TOTAL>                                 5,420                  18,561
<INTEREST-DEPOSIT>                               2,011                   8,270
<INTEREST-EXPENSE>                               2,581                   9,219
<INTEREST-INCOME-NET>                            2,839                   9,342
<LOAN-LOSSES>                                      100                     200
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  1,907                   8,198
<INCOME-PRETAX>                                    989                   1,857
<INCOME-PRE-EXTRAORDINARY>                         989                   1,857
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       754                   2,084
<EPS-BASIC>                                       0.17                    0.48
<EPS-DILUTED>                                     0.15                    0.40
<YIELD-ACTUAL>                                    4.39                    3.89
<LOANS-NON>                                      2,276                   1,878
<LOANS-PAST>                                       979                     180
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 1,231                   1,031
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                        18                       0
<ALLOWANCE-CLOSE>                                1,349                   1,231
<ALLOWANCE-DOMESTIC>                             1,349                   1,231
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>