<TABLE> <S> <C>


<ARTICLE>                                                           9
<MULTIPLIER>                                                    1,000

<S>                                                               <C>
<PERIOD-TYPE>                                                   6-MOS
<FISCAL-YEAR-END>                                         MAR-31-2000
<PERIOD-START>                                            APR-01-1999
<PERIOD-END>                                              SEP-30-1999
<CASH>                                                          3,211
<INT-BEARING-DEPOSITS>                                          7,780
<FED-FUNDS-SOLD>                                                2,000
<TRADING-ASSETS>                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                    14,865
<INVESTMENTS-CARRYING>                                         17,750
<INVESTMENTS-MARKET>                                           17,399
<LOANS>                                                       233,015
<ALLOWANCE>                                                       727
<TOTAL-ASSETS>                                                293,736
<DEPOSITS>                                                    258,529
<SHORT-TERM>                                                        0
<LIABILITIES-OTHER>                                             2,162
<LONG-TERM>                                                     8,000
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                        2,631
<OTHER-SE>                                                     22,414
<TOTAL-LIABILITIES-AND-EQUITY>                                293,736
<INTEREST-LOAN>                                                 8,788
<INTEREST-INVEST>                                                 670
<INTEREST-OTHER>                                                  628
<INTEREST-TOTAL>                                               10,086
<INTEREST-DEPOSIT>                                              5,519
<INTEREST-EXPENSE>                                              5,773
<INTEREST-INCOME-NET>                                           4,313
<LOAN-LOSSES>                                                      44
<SECURITIES-GAINS>                                                  0
<EXPENSE-OTHER>                                                 3,647
<INCOME-PRETAX>                                                   978
<INCOME-PRE-EXTRAORDINARY>                                        645
<EXTRAORDINARY>                                                     0
<CHANGES>                                                           0
<NET-INCOME>                                                      645
<EPS-BASIC>                                                     .25
<EPS-DILUTED>                                                     .25
<YIELD-ACTUAL>                                                   3.20
<LOANS-NON>                                                       245
<LOANS-PAST>                                                       48
<LOANS-TROUBLED>                                                    0
<LOANS-PROBLEM>                                                     0
<ALLOWANCE-OPEN>                                                  678
<CHARGE-OFFS>                                                       3
<RECOVERIES>                                                        8
<ALLOWANCE-CLOSE>                                                 727
<ALLOWANCE-DOMESTIC>                                                0
<ALLOWANCE-FOREIGN>                                                 0
<ALLOWANCE-UNALLOCATED>                                           727



</TABLE>