<TABLE> <S> <C>


<ARTICLE>                     9

<LEGEND>
This schedule contains summary financial information extracted from the
registrants unaudited March 31, 2000 quarterly financial statements and is
qualified in its entirety by reference to such financial statements.
</LEGEND>

<S>                                  <C>
<PERIOD-TYPE>                        3-MOS
<FISCAL-YEAR-END>                                          DEC-31-2000
<PERIOD-END>                                               MAR-31-2000
<CASH>                                                        19,464
<INT-BEARING-DEPOSITS>                                             0
<FED-FUNDS-SOLD>                                               3,500
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   39,510
<INVESTMENTS-CARRYING>                                        34,016
<INVESTMENTS-MARKET>                                          31,946
<LOANS>                                                      287,069
<ALLOWANCE>                                                    2,387
<TOTAL-ASSETS>                                               409,715
<DEPOSITS>                                                   377,339
<SHORT-TERM>                                                       0
<LONG-TERM>                                                    3,876
<LIABILITIES-OTHER>                                            2,897
                                              0
                                                    4,949
<COMMON>                                                      26,224
<OTHER-SE>                                                    (5,570)
<TOTAL-LIABILITIES-AND-EQUITY>                               409,715
<INTEREST-LOAN>                                                5,928
<INTEREST-INVEST>                                              1,163
<INTEREST-OTHER>                                                  10
<INTEREST-TOTAL>                                               7,101
<INTEREST-DEPOSIT>                                             4,225
<INTEREST-EXPENSE>                                             4,225
<INTEREST-INCOME-NET>                                          2,876
<LOAN-LOSSES>                                                    246
<SECURITIES-GAINS>                                                 1
<EXPENSE-OTHER>                                                1,913
<INCOME-PRETAX>                                               (1,725)
<INCOME-PRE-EXTRAORDINARY>                                    (1,725)
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                    (709)
<EPS-BASIC>                                                    (0.27)
<EPS-DILUTED>                                                  (0.27)
<YIELD-ACTUAL>                                                 0.030
<LOANS-NON>                                                    1,617
<LOANS-PAST>                                                   1,112
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               2,173
<CHARGE-OFFS>                                                     43
<RECOVERIES>                                                      11
<ALLOWANCE-CLOSE>                                              2,387
<ALLOWANCE-DOMESTIC>                                           2,387
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0




</TABLE>



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