<TABLE> <S> <C>



<ARTICLE>                9
<MULTIPLIER>             1,000

       
<S>                                <C>                  <C>               
<PERIOD-TYPE>                      12-MOS               3-MOS             
<FISCAL-YEAR-END>                          MAR-31-1998        MAR-31-1998
<PERIOD-END>                               MAR-31-1998        JUN-30-1998 
<CASH>                                           4,712              5,198 
<INT-BEARING-DEPOSITS>                               0                  0 
<FED-FUNDS-SOLD>                                11,905                855 
<TRADING-ASSETS>                                     0                  0 
<INVESTMENTS-HELD-FOR-SALE>                    362,778            339,228 
<INVESTMENTS-CARRYING>                          10,274             12,169 
<INVESTMENTS-MARKET>                            10,494             12,388 
<LOANS>                                        235,465            318,096 
<ALLOWANCE>                                      2,953              2,951 
<TOTAL-ASSETS>                                 646,058            700,225 
<DEPOSITS>                                     423,545            421,728 
<SHORT-TERM>                                   115,380            174,552
<LIABILITIES-OTHER>                              4,730              5,839 
<LONG-TERM>                                          0                  0 
<PREFERRED-MANDATORY>                                0                  0 
<PREFERRED>                                          0                  0 
<COMMON>                                            91                 91 
<OTHER-SE>                                      98,649             95,895 
<TOTAL-LIABILITIES-AND-EQUITY>                 646,058            700,225
<INTEREST-LOAN>                                 19,745              4,919 
<INTEREST-INVEST>                               20,509              5,670 
<INTEREST-OTHER>                                   606                 58 
<INTEREST-TOTAL>                                40,860             10,647 
<INTEREST-DEPOSIT>                              19,980              4,592 
<INTEREST-EXPENSE>                              24,872              6,407 
<INTEREST-INCOME-NET>                           15,988              4,240 
<LOAN-LOSSES>                                      180                 50 
<SECURITIES-GAINS>                                  (5)               (21)
<EXPENSE-OTHER>                                 10,206              2,733 
<INCOME-PRETAX>                                  6,945              1,768 
<INCOME-PRE-EXTRAORDINARY>                       6,945              1,768 
<EXTRAORDINARY>                                      0                  0 
<CHANGES>                                            0                  0 
<NET-INCOME>                                     4,379              1,114 
<EPS-PRIMARY>                                     0.49               0.12 
<EPS-DILUTED>                                     0.49               0.12 
<YIELD-ACTUAL>                                    6.96               6.56
<LOANS-NON>                                      3,030              2,256 
<LOANS-PAST>                                       599                536 
<LOANS-TROUBLED>                                     0                  0 
<LOANS-PROBLEM>                                      0                  0 
<ALLOWANCE-OPEN>                                 3,158              2,953 
<CHARGE-OFFS>                                      385                 52 
<RECOVERIES>                                         0                  0 
<ALLOWANCE-CLOSE>                                2,953              2,951 
<ALLOWANCE-DOMESTIC>                             2,953              2,951 
<ALLOWANCE-FOREIGN>                                  0                  0 
<ALLOWANCE-UNALLOCATED>                              0                  0 

        

</TABLE>