<TABLE> <S> <C>

<ARTICLE>         9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  Consolidated  Balance  Sheet at  March  31,  2000  and the  unaudited
Consolidated  Statement  of Income for the three months 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>                                                                 2,910
<INT-BEARING-DEPOSITS>                                                     0
<FED-FUNDS-SOLD>                                                      18,440
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                           55,842
<INVESTMENTS-CARRYING>                                                     0
<INVESTMENTS-MARKET>                                                       0
<LOANS>                                                               81,244
<ALLOWANCE>                                                              995
<TOTAL-ASSETS>                                                       164,896
<DEPOSITS>                                                           149,444
<SHORT-TERM>                                                               0
<LIABILITIES-OTHER>                                                    1,295
<LONG-TERM>                                                                0
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<COMMON>                                                              14,262
<OTHER-SE>                                                              (105)
<TOTAL-LIABILITIES-AND-EQUITY>                                       164,896
<INTEREST-LOAN>                                                        1,674
<INTEREST-INVEST>                                                        889
<INTEREST-OTHER>                                                         372
<INTEREST-TOTAL>                                                       2,935
<INTEREST-DEPOSIT>                                                     1,661
<INTEREST-EXPENSE>                                                     1,661
<INTEREST-INCOME-NET>                                                  1,274
<LOAN-LOSSES>                                                             77
<SECURITIES-GAINS>                                                         0
<EXPENSE-OTHER>                                                          685
<INCOME-PRETAX>                                                          683
<INCOME-PRE-EXTRAORDINARY>                                               443
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                             443
<EPS-BASIC>                                                              .22
<EPS-DILUTED>                                                            .21
<YIELD-ACTUAL>                                                          3.15
<LOANS-NON>                                                              276
<LOANS-PAST>                                                               0
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                          145
<ALLOWANCE-OPEN>                                                         943
<CHARGE-OFFS>                                                             27
<RECOVERIES>                                                               2
<ALLOWANCE-CLOSE>                                                        995
<ALLOWANCE-DOMESTIC>                                                     995
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                    0


</TABLE>