WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-K FOR THE FISCAL YEAR ENDED MARCH 31, 1997 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          MAR-31-1997
<PERIOD-END>                               MAR-31-1997
<MULTIPLIER>                                     1,000
<CASH>                                             912
<INT-BEARING-DEPOSITS>                           1,438
<FED-FUNDS-SOLD>                                 5,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     36,384
<INVESTMENTS-CARRYING>                          18,123
<INVESTMENTS-MARKET>                            17,889
<LOANS>                                         55,770
<ALLOWANCE>                                        660
<TOTAL-ASSETS>                                 121,841
<DEPOSITS>                                      98,327
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,286
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            16
<OTHER-SE>                                      21,212
<TOTAL-LIABILITIES-AND-EQUITY>                 121,841
<INTEREST-LOAN>                                  4,721
<INTEREST-INVEST>                                3,513
<INTEREST-OTHER>                                   357
<INTEREST-TOTAL>                                 8,591
<INTEREST-DEPOSIT>                               4,094
<INTEREST-EXPENSE>                               4,106
<INTEREST-INCOME-NET>                            4,485
<LOAN-LOSSES>                                       69
<SECURITIES-GAINS>                                  23
<EXPENSE-OTHER>                                  3,387
<INCOME-PRETAX>                                  1,181
<INCOME-PRE-EXTRAORDINARY>                       1,181
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       855
<EPS-PRIMARY>                                     0.59
<EPS-DILUTED>                                     0.59
<YIELD-ACTUAL>                                    3.98
<LOANS-NON>                                      1,478
<LOANS-PAST>                                       180
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   654
<CHARGE-OFFS>                                       63
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  660
<ALLOWANCE-DOMESTIC>                               660
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>