<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>                                  6-MOS
<FISCAL-YEAR-END>                              MAR-31-1999
<PERIOD-END>                                   SEP-30-1998
<CASH>                                             535
<INT-BEARING-DEPOSITS>                           6,367
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          64,962
<INVESTMENTS-MARKET>                            65,716
<LOANS>                                         64,961
<ALLOWANCE>                                        565
<TOTAL-ASSETS>                                 143,937
<DEPOSITS>                                      75,932
<SHORT-TERM>                                     3,500
<LIABILITIES-OTHER>                              5,554
<LONG-TERM>                                     34,300
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           230
<OTHER-SE>                                      24,421
<TOTAL-LIABILITIES-AND-EQUITY>                 143,937
<INTEREST-LOAN>                                  2,435
<INTEREST-INVEST>                                2,241
<INTEREST-OTHER>                                   169
<INTEREST-TOTAL>                                 4,845
<INTEREST-DEPOSIT>                               1,751
<INTEREST-EXPENSE>                               1,183
<INTEREST-INCOME-NET>                            1,911
<LOAN-LOSSES>                                       15
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,356
<INCOME-PRETAX>                                    587
<INCOME-PRE-EXTRAORDINARY>                         587
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       347 
<EPS-PRIMARY>                                      .15
<EPS-DILUTED>                                      .15
<YIELD-ACTUAL>                                    2.72
<LOANS-NON>                                        724
<LOANS-PAST>                                       145
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    688
<ALLOWANCE-OPEN>                                   552
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  565
<ALLOWANCE-DOMESTIC>                               565
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>