<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>                                  3-MOS
<FISCAL-YEAR-END>                              MAR-31-2000
<PERIOD-END>                                   JUN-30-1999
<CASH>                                                514
<INT-BEARING-DEPOSITS>                              8,343
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                             0
<INVESTMENTS-CARRYING>                             77,540
<INVESTMENTS-MARKET>                               76,013
<LOANS>                                            61,454
<ALLOWANCE>                                           577
<TOTAL-ASSETS>                                    154,834
<DEPOSITS>                                         76,516
<SHORT-TERM>                                          300
<LIABILITIES-OTHER>                                 2,385
<LONG-TERM>                                        50,299
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              345
<OTHER-SE>                                         24,989
<TOTAL-LIABILITIES-AND-EQUITY>                    154,834
<INTEREST-LOAN>                                     1,149
<INTEREST-INVEST>                                   1,239
<INTEREST-OTHER>                                       98
<INTEREST-TOTAL>                                    2,486
<INTEREST-DEPOSIT>                                    816
<INTEREST-EXPENSE>                                  1,473
<INTEREST-INCOME-NET>                               1,013
<LOAN-LOSSES>                                           1
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                       639
<INCOME-PRETAX>                                       401
<INCOME-PRE-EXTRAORDINARY>                            401
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                          227
<EPS-BASIC>                                         .07
<EPS-DILUTED>                                         .07
<YIELD-ACTUAL>                                       2.71
<LOANS-NON>                                           321
<LOANS-PAST>                                           29
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                      576
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                     577
<ALLOWANCE-DOMESTIC>                                    1
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0



</TABLE>