<TABLE> <S> <C>


<ARTICLE>                                               9
               
<MULTIPLIER>                                        1,000
       
<S>                                                 <C>
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                              MAR-31-1998
<PERIOD-START>                                 APR-01-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                               1,453
<INT-BEARING-DEPOSITS>                               8,519
<FED-FUNDS-SOLD>                                     3,550
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          2,263
<INVESTMENTS-CARRYING>                              21,214
<INVESTMENTS-MARKET>                                21,034
<LOANS>                                            206,319
<ALLOWANCE>                                            962
<TOTAL-ASSETS>                                     255,124
<DEPOSITS>                                         214,605
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  2,329
<LONG-TERM>                                         14,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             2,258
<OTHER-SE>                                          21,932
<TOTAL-LIABILITIES-AND-EQUITY>                     255,124
<INTEREST-LOAN>                                     12,799
<INTEREST-INVEST>                                      798
<INTEREST-OTHER>                                       781
<INTEREST-TOTAL>                                    14,378
<INTEREST-DEPOSIT>                                   7,589
<INTEREST-EXPENSE>                                   8,263
<INTEREST-INCOME-NET>                                6,115
<LOAN-LOSSES>                                           45
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      4,512
<INCOME-PRETAX>                                      2,215
<INCOME-PRE-EXTRAORDINARY>                           1,461
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,461
<EPS-PRIMARY>                                          .65
<EPS-DILUTED>                                          .65
<YIELD-ACTUAL>                                        3.35
<LOANS-NON>                                            567
<LOANS-PAST>                                            49
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      2,147
<ALLOWANCE-OPEN>                                       914
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             3
<ALLOWANCE-CLOSE>                                      962
<ALLOWANCE-DOMESTIC>                                   271
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                691
        


</TABLE>