<TABLE> <S> <C>

<ARTICLE>                9

<LEGEND>

THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.

</LEGEND>

<MULTIPLIER>             1,000

       
<S>                                    <C>
<PERIOD-TYPE>                          6-MOS
<FISCAL-YEAR-END>                                       MAR-31-1998
<PERIOD-END>                                            SEP-30-1997
<CASH>                                                        4,216
<INT-BEARING-DEPOSITS>                                       10,000
<FED-FUNDS-SOLD>                                                  5
<TRADING-ASSETS>                                                  0
<INVESTMENTS-HELD-FOR-SALE>                                 331,647
<INVESTMENTS-CARRYING>                                       10,293
<INVESTMENTS-MARKET>                                         10,400
<LOANS>                                                     231,820
<ALLOWANCE>                                                   3,248
<TOTAL-ASSETS>                                              609,053
<DEPOSITS>                                                  432,131
<SHORT-TERM>                                                 75,489
<LIABILITIES-OTHER>                                           4,459
<LONG-TERM>                                                       0
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<COMMON>                                                         90
<OTHER-SE>                                                   95,071
<TOTAL-LIABILITIES-AND-EQUITY>                              609,053
<INTEREST-LOAN>                                               9,801
<INTEREST-INVEST>                                            10,173
<INTEREST-OTHER>                                                212
<INTEREST-TOTAL>                                             20,186
<INTEREST-DEPOSIT>                                           10,377
<INTEREST-EXPENSE>                                           12,745
<INTEREST-INCOME-NET>                                         7,441
<LOAN-LOSSES>                                                    90
<SECURITIES-GAINS>                                                0
<EXPENSE-OTHER>                                               5,164
<INCOME-PRETAX>                                               2,869
<INCOME-PRE-EXTRAORDINARY>                                    2,869
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                  1,807
<EPS-PRIMARY>                                                  0.42
<EPS-DILUTED>                                                     0
<YIELD-ACTUAL>                                                    0
<LOANS-NON>                                                       0
<LOANS-PAST>                                                      0
<LOANS-TROUBLED>                                                  0
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                                  0
<CHARGE-OFFS>                                                     0
<RECOVERIES>                                                      0
<ALLOWANCE-CLOSE>                                                 0
<ALLOWANCE-DOMESTIC>                                              0
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                           0

        

</TABLE>