<TABLE> <S> <C>


<ARTICLE>                                                                  9
<MULTIPLIER>                                                           1,000

<S>                                                                      <C>
<PERIOD-TYPE>                                                          3-MOS
<FISCAL-YEAR-END>                                                MAR-31-2001
<PERIOD-START>                                                   APR-01-2000
<PERIOD-END>                                                     JUN-30-2000
<CASH>                                                                 2,526
<INT-BEARING-DEPOSITS>                                                 7,443
<FED-FUNDS-SOLD>                                                       2,775
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                            3,392
<INVESTMENTS-CARRYING>                                                30,201
<INVESTMENTS-MARKET>                                                  29,444
<LOANS>                                                              240,817
<ALLOWANCE>                                                              846
<TOTAL-ASSETS>                                                       302,204
<DEPOSITS>                                                           264,835
<SHORT-TERM>                                                               0
<LIABILITIES-OTHER>                                                    2,281
<LONG-TERM>                                                           10,000
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<COMMON>                                                               2,638
<OTHER-SE>                                                            22,450
<TOTAL-LIABILITIES-AND-EQUITY>                                       302,204
<INTEREST-LOAN>                                                        4,595
<INTEREST-INVEST>                                                        525
<INTEREST-OTHER>                                                         217
<INTEREST-TOTAL>                                                       5,337
<INTEREST-DEPOSIT>                                                     3,045
<INTEREST-EXPENSE>                                                     3,161
<INTEREST-INCOME-NET>                                                  2,176
<LOAN-LOSSES>                                                             51
<SECURITIES-GAINS>                                                         0
<EXPENSE-OTHER>                                                        1,904
<INCOME-PRETAX>                                                          439
<INCOME-PRE-EXTRAORDINARY>                                               290
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                             290
<EPS-BASIC>                                                              .11
<EPS-DILUTED>                                                            .11
<YIELD-ACTUAL>                                                          3.01
<LOANS-NON>                                                              192
<LOANS-PAST>                                                               0
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                            0
<ALLOWANCE-OPEN>                                                         793
<CHARGE-OFFS>                                                              0
<RECOVERIES>                                                               0
<ALLOWANCE-CLOSE>                                                        846
<ALLOWANCE-DOMESTIC>                                                       0
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                  846



</TABLE>