<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
     SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                     9-MOS
<FISCAL-YEAR-END>                                 MAR-31-2000
<PERIOD-END>                                      DEC-31-1999
<CASH>                                                528
<INT-BEARING-DEPOSITS>                              2,034
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                             0
<INVESTMENTS-CARRYING>                             86,935
<INVESTMENTS-MARKET>                               83,800
<LOANS>                                            57,695
<ALLOWANCE>                                           578
<TOTAL-ASSETS>                                    155,500
<DEPOSITS>                                         76,111
<SHORT-TERM>                                          300
<LIABILITIES-OTHER>                                 2,071
<LONG-TERM>                                        52,000
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              345
<OTHER-SE>                                         24,673
<TOTAL-LIABILITIES-AND-EQUITY>                    155,500
<INTEREST-LOAN>                                     3,277
<INTEREST-INVEST>                                   3,999
<INTEREST-OTHER>                                      265
<INTEREST-TOTAL>                                    7,541
<INTEREST-DEPOSIT>                                  2,447
<INTEREST-EXPENSE>                                  4,455
<INTEREST-INCOME-NET>                               3,086
<LOAN-LOSSES>                                           3
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                     1,862
<INCOME-PRETAX>                                     1,292
<INCOME-PRE-EXTRAORDINARY>                          1,292
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                          793
<EPS-BASIC>                                           .24
<EPS-DILUTED>                                         .24
<YIELD-ACTUAL>                                        275
<LOANS-NON>                                             0
<LOANS-PAST>                                           86
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                      577
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                     578
<ALLOWANCE-DOMESTIC>                                    1
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0



</TABLE>