<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED 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-31-2000
<PERIOD-END>                                   SEP-30-1999
<CASH>                                             553
<INT-BEARING-DEPOSITS>                             473
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          85,539
<INVESTMENTS-MARKET>                            79,308
<LOANS>                                         60,084
<ALLOWANCE>                                        578
<TOTAL-ASSETS>                                 154,662
<DEPOSITS>                                      76,358
<SHORT-TERM>                                       300
<LIABILITIES-OTHER>                              2,409
<LONG-TERM>                                     50,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           345
<OTHER-SE>                                      25,250
<TOTAL-LIABILITIES-AND-EQUITY>                 154,662
<INTEREST-LOAN>                                  2,230
<INTEREST-INVEST>                                2,569
<INTEREST-OTHER>                                   203
<INTEREST-TOTAL>                                 5,002
<INTEREST-DEPOSIT>                               1,633
<INTEREST-EXPENSE>                               2,958
<INTEREST-INCOME-NET>                            2,044
<LOAN-LOSSES>                                        2
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,263
<INCOME-PRETAX>                                    828
<INCOME-PRE-EXTRAORDINARY>                         828
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       513
<EPS-BASIC>                                      .15
<EPS-DILUTED>                                      .15
<YIELD-ACTUAL>                                    2.74
<LOANS-NON>                                          0
<LOANS-PAST>                                        64
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   575
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  577
<ALLOWANCE-DOMESTIC>                                 2
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>