
<TABLE> <S> <C>


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<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   MAR-30-2000
<CASH>                                         6,158
<INT-BEARING-DEPOSITS>                         88
<FED-FUNDS-SOLD>                               4,611
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    13,131
<INVESTMENTS-CARRYING>                         22,733
<INVESTMENTS-MARKET>                           22,377
<LOANS>                                        115,397
<ALLOWANCE>                                    1,217
<TOTAL-ASSETS>                                 169,926
<DEPOSITS>                                     130,976
<SHORT-TERM>                                   12,100
<LIABILITIES-OTHER>                            7,061
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       23,187
<OTHER-SE>                                     (3,398)
<TOTAL-LIABILITIES-AND-EQUITY>                 169,926
<INTEREST-LOAN>                                2,455
<INTEREST-INVEST>                              528
<INTEREST-OTHER>                               29
<INTEREST-TOTAL>                               3,012
<INTEREST-DEPOSIT>                             955
<INTEREST-EXPENSE>                             1,170
<INTEREST-INCOME-NET>                          1,842
<LOAN-LOSSES>                                  199
<SECURITIES-GAINS>                             16
<EXPENSE-OTHER>                                1,527
<INCOME-PRETAX>                                369
<INCOME-PRE-EXTRAORDINARY>                     213
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   213
<EPS-BASIC>                                    0.07
<EPS-DILUTED>                                  0.07
<YIELD-ACTUAL>                                 5.25
<LOANS-NON>                                    195
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,017
<CHARGE-OFFS>                                  0
<RECOVERIES>                                   1
<ALLOWANCE-CLOSE>                              1,217
<ALLOWANCE-DOMESTIC>                           1,217
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0



</TABLE>
