<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED CONDENSED BALANCE SHEET AT MARCH 31, 2000 (UNAUDITED), CONSOLIDATED
CONDENSED  STATEMENT  OF  INCOME  FOR THE THREE  MONTHS  ENDED  MARCH  31,  2000
(UNAUDITED) AND THE NOTES TO THE CONSOLIDATED  CONDENSED  FINANCIAL  STATESMENTS
AND IS QUALIFIED IN ITS ENTIRETY BY FREFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<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>                                           5,297
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                14,845
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     17,376
<INVESTMENTS-CARRYING>                          11,246
<INVESTMENTS-MARKET>                            11,104
<LOANS>                                         86,141
<ALLOWANCE>                                      1,295
<TOTAL-ASSETS>                                 139,630
<DEPOSITS>                                     120,339
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                  0
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                           20,160
<PREFERRED>                                     (1,777)
<COMMON>                                       139,630
<OTHER-SE>                                       1,722
<TOTAL-LIABILITIES-AND-EQUITY>                     412
<INTEREST-LOAN>                                    170
<INTEREST-INVEST>                                2,304
<INTEREST-OTHER>                                   967
<INTEREST-TOTAL>                                   967
<INTEREST-DEPOSIT>                               1,337
<INTEREST-EXPENSE>                                  58
<INTEREST-INCOME-NET>                                0
<LOAN-LOSSES>                                    1,285
<SECURITIES-GAINS>                                 146
<EXPENSE-OTHER>                                    146
<INCOME-PRETAX>                                      0
<INCOME-PRE-EXTRAORDINARY>                         146
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       146
<EPS-BASIC>                                       0.08
<EPS-DILUTED>                                     0.08
<YIELD-ACTUAL>                                   0.075
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,237
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,295
<ALLOWANCE-DOMESTIC>                             1,212
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             83


</TABLE>