<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEC FORM
10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS
</LEGEND>

<S>                                  <C>
<PERIOD-TYPE>                        12-MOS
<FISCAL-YEAR-END>                                MAR-31-2000
<PERIOD-END>                                     MAR-31-2000
<CASH>                                               512,729
<INT-BEARING-DEPOSITS>                               590,000
<FED-FUNDS-SOLD>                                           0
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                                0
<INVESTMENTS-CARRYING>                               163,317
<INVESTMENTS-MARKET>                                 163,317
<LOANS>                                            6,624,200
<ALLOWANCE>                                           32,700
<TOTAL-ASSETS>                                     7,981,684
<DEPOSITS>                                         5,265,067
<SHORT-TERM>                                               0
<LIABILITIES-OTHER>                                  109,485
<LONG-TERM>                                        1,000,000
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                                 911
<OTHER-SE>                                         1,585,752
<TOTAL-LIABILITIES-AND-EQUITY>                     7,981,684
<INTEREST-LOAN>                                      550,033
<INTEREST-INVEST>                                      6,088
<INTEREST-OTHER>                                      73,182
<INTEREST-TOTAL>                                     629,303
<INTEREST-DEPOSIT>                                   274,101
<INTEREST-EXPENSE>                                   322,918
<INTEREST-INCOME-NET>                                306,385
<LOAN-LOSSES>                                              0
<SECURITIES-GAINS>                                         0
<EXPENSE-OTHER>                                      273,040
<INCOME-PRETAX>                                       37,522
<INCOME-PRE-EXTRAORDINARY>                            37,522
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                          30,108
<EPS-BASIC>                                              .33
<EPS-DILUTED>                                           0.33
<YIELD-ACTUAL>                                          8.03
<LOANS-NON>                                                0
<LOANS-PAST>                                         135,705
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                      32,700
<CHARGE-OFFS>                                              0
<RECOVERIES>                                               0
<ALLOWANCE-CLOSE>                                     32,700
<ALLOWANCE-DOMESTIC>                                  32,700
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0



</TABLE>