<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000

<S>                                                                          <C>
<PERIOD-TYPE>                                                              6-MOS
<FISCAL-YEAR-END>                                                    MAR-31-2001
<PERIOD-START>                                                       APR-01-2000
<PERIOD-END>                                                         SEP-30-2000
<CASH>                                                                     3,838
<INT-BEARING-DEPOSITS>                                                     6,352
<FED-FUNDS-SOLD>                                                           1,475
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                3,152
<INVESTMENTS-CARRYING>                                                    30,347
<INVESTMENTS-MARKET>                                                      29,915
<LOANS>                                                                  242,717
<ALLOWANCE>                                                                  868
<TOTAL-ASSETS>                                                           303,075
<DEPOSITS>                                                               265,697
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        2,117
<LONG-TERM>                                                               10,000
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   2,638
<OTHER-SE>                                                                22,623
<TOTAL-LIABILITIES-AND-EQUITY>                                           303,075
<INTEREST-LOAN>                                                            9,245
<INTEREST-INVEST>                                                          1,069
<INTEREST-OTHER>                                                             381
<INTEREST-TOTAL>                                                          10,695
<INTEREST-DEPOSIT>                                                         6,168
<INTEREST-EXPENSE>                                                         6,409
<INTEREST-INCOME-NET>                                                      4,286
<LOAN-LOSSES>                                                                 73
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            3,695
<INCOME-PRETAX>                                                              995
<INCOME-PRE-EXTRAORDINARY>                                                   655
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 655
<EPS-BASIC>                                                                  .25
<EPS-DILUTED>                                                                .25
<YIELD-ACTUAL>                                                              2.97
<LOANS-NON>                                                                  253
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             793
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            868
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      868



</TABLE>