<TABLE> <S> <C>


<ARTICLE>                                                             9
<MULTIPLIER>                                                      1,000

<S>                                                                 <C>
<PERIOD-TYPE>                                                     3-MOS
<FISCAL-YEAR-END>                                           MAR-31-1999
<PERIOD-START>                                              APR-01-1998
<PERIOD-END>                                                JUN-30-1998
<CASH>                                                            1,437
<INT-BEARING-DEPOSITS>                                           10,578
<FED-FUNDS-SOLD>                                                  3,331
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                       6,931
<INVESTMENTS-CARRYING>                                           17,609
<INVESTMENTS-MARKET>                                             17,405
<LOANS>                                                         206,530
<ALLOWANCE>                                                         736
<TOTAL-ASSETS>                                                  259,402
<DEPOSITS>                                                      217,415
<SHORT-TERM>                                                          0
<LIABILITIES-OTHER>                                               1,272
<LONG-TERM>                                                      16,000
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<COMMON>                                                          2,486
<OTHER-SE>                                                       22,229
<TOTAL-LIABILITIES-AND-EQUITY>                                  259,402
<INTEREST-LOAN>                                                   4,294
<INTEREST-INVEST>                                                   290
<INTEREST-OTHER>                                                    281
<INTEREST-TOTAL>                                                  4,865
<INTEREST-DEPOSIT>                                                2,607
<INTEREST-EXPENSE>                                                2,801
<INTEREST-INCOME-NET>                                             2,064
<LOAN-LOSSES>                                                        15
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                   1,586
<INCOME-PRETAX>                                                     723
<INCOME-PRE-EXTRAORDINARY>                                          477
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                        477
<EPS-BASIC>                                                       .18
<EPS-DILUTED>                                                       .18
<YIELD-ACTUAL>                                                     3.33
<LOANS-NON>                                                         353
<LOANS-PAST>                                                         29
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                    721
<CHARGE-OFFS>                                                         0
<RECOVERIES>                                                          0
<ALLOWANCE-CLOSE>                                                   736
<ALLOWANCE-DOMESTIC>                                                  0
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                             736



</TABLE>