<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>                                                                     3,271
<INT-BEARING-DEPOSITS>                                                     4,740
<FED-FUNDS-SOLD>                                                           1,350
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                4,148
<INVESTMENTS-CARRYING>                                                     1,934
<INVESTMENTS-MARKET>                                                       1,941
<LOANS>                                                                  122,407
<ALLOWANCE>                                                                1,533
<TOTAL-ASSETS>                                                           143,681
<DEPOSITS>                                                               122,204
<SHORT-TERM>                                                                 850
<LIABILITIES-OTHER>                                                        1,061
<LONG-TERM>                                                                3,000
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                16,566
<TOTAL-LIABILITIES-AND-EQUITY>                                           143,681
<INTEREST-LOAN>                                                            2,316
<INTEREST-INVEST>                                                            125
<INTEREST-OTHER>                                                              99
<INTEREST-TOTAL>                                                           2,540
<INTEREST-DEPOSIT>                                                         1,159
<INTEREST-EXPENSE>                                                         1,242
<INTEREST-INCOME-NET>                                                      1,298
<LOAN-LOSSES>                                                                 13
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                              933
<INCOME-PRETAX>                                                              629
<INCOME-PRE-EXTRAORDINARY>                                                   381
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 381
<EPS-BASIC>                                                                  .44
<EPS-DILUTED>                                                                .44
<YIELD-ACTUAL>                                                              3.93
<LOANS-NON>                                                                  103
<LOANS-PAST>                                                                 533
<LOANS-TROUBLED>                                                             830
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                           1,522
<CHARGE-OFFS>                                                                 12
<RECOVERIES>                                                                  10
<ALLOWANCE-CLOSE>                                                          1,533
<ALLOWANCE-DOMESTIC>                                                         104
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,429



</TABLE>