<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEC FORM
10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS
</LEGEND>

<S>                                  <C>
<PERIOD-TYPE>                        3-MOS
<FISCAL-YEAR-END>                                    MAR-31-2000
<PERIOD-END>                                         JUN-30-1999
<CASH>                                                   811,566
<INT-BEARING-DEPOSITS>                                   891,000
<FED-FUNDS-SOLD>                                               0
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                                    0
<INVESTMENTS-CARRYING>                                   214,368
<INVESTMENTS-MARKET>                                     214,368
<LOANS>                                                5,567,561
<ALLOWANCE>                                               32,700
<TOTAL-ASSETS>                                         7,551,151
<DEPOSITS>                                             5,174,890
<SHORT-TERM>                                                   0
<LIABILITIES-OTHER>                                      106,902
<LONG-TERM>                                              600,000
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                     911
<OTHER-SE>                                             1,656,961
<TOTAL-LIABILITIES-AND-EQUITY>                         7,551,151
<INTEREST-LOAN>                                          120,068
<INTEREST-INVEST>                                          1,447
<INTEREST-OTHER>                                          22,384
<INTEREST-TOTAL>                                         143,899
<INTEREST-DEPOSIT>                                        67,190
<INTEREST-EXPENSE>                                        76,836
<INTEREST-INCOME-NET>                                     67,063
<LOAN-LOSSES>                                                  0
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                           71,156
<INCOME-PRETAX>                                           (3,068)
<INCOME-PRE-EXTRAORDINARY>                                (3,068)
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                              (2,393)
<EPS-BASIC>                                                 (.03)
<EPS-DILUTED>                                                  0
<YIELD-ACTUAL>                                              7.67
<LOANS-NON>                                                    0
<LOANS-PAST>                                              98,843
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                          32,700
<CHARGE-OFFS>                                                  0
<RECOVERIES>                                                   0
<ALLOWANCE-CLOSE>                                         32,700
<ALLOWANCE-DOMESTIC>                                      32,700
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0



</TABLE>