<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>


<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              MAR-31-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                             530
<INT-BEARING-DEPOSITS>                             524
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          79,018
<INVESTMENTS-MARKET>                            79,231
<LOANS>                                         62,997
<ALLOWANCE>                                        570
<TOTAL-ASSETS>                                 150,035
<DEPOSITS>                                      77,408
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,999
<LONG-TERM>                                     45,741
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0 
<COMMON>                                           345
<OTHER-SE>                                      24,542
<TOTAL-LIABILITIES-AND-EQUITY>                 150,035
<INTEREST-LOAN>                                  3,584
<INTEREST-INVEST>                                3,399
<INTEREST-OTHER>                                   262
<INTEREST-TOTAL>                                 7,245
<INTEREST-DEPOSIT>                               2,616
<INTEREST-EXPENSE>                               4,396
<INTEREST-INCOME-NET>                            2,849
<LOAN-LOSSES>                                       20
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,088
<INCOME-PRETAX>                                    807
<INCOME-PRE-EXTRAORDINARY>                         807
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       472
<EPS-PRIMARY>                                      .14
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                    2.68
<LOANS-NON>                                        683
<LOANS-PAST>                                        14
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   549
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  570
<ALLOWANCE-DOMESTIC>                                20
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>