<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
consolidated  financial  statements of First Robinson Financial  Corporation for
the quarterly  period ended  September 30, 1998 and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                             740
<INT-BEARING-DEPOSITS>                           5,045
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,096
<INVESTMENTS-CARRYING>                             210
<INVESTMENTS-MARKET>                               210
<LOANS>                                         64,370
<ALLOWANCE>                                      (704)
<TOTAL-ASSETS>                                  84,730
<DEPOSITS>                                      68,512
<SHORT-TERM>                                     4,021
<LIABILITIES-OTHER>                                691
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             9
<OTHER-SE>                                      11,497
<TOTAL-LIABILITIES-AND-EQUITY>                  84,730
<INTEREST-LOAN>                                  1,465
<INTEREST-INVEST>                                  182
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 1,647
<INTEREST-DEPOSIT>                                 769
<INTEREST-EXPENSE>                                 826
<INTEREST-INCOME-NET>                              821
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    916
<INCOME-PRETAX>                                   (26)
<INCOME-PRE-EXTRAORDINARY>                        (26)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (10)
<EPS-PRIMARY>                                   (0.01)
<EPS-DILUTED>                                   (0.01)
<YIELD-ACTUAL>                                    4.20
<LOANS-NON>                                         59
<LOANS-PAST>                                        10
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 (685)
<CHARGE-OFFS>                                       43
<RECOVERIES>                                      (17)
<ALLOWANCE-CLOSE>                                (704)
<ALLOWANCE-DOMESTIC>                               483
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            221
                                               


</TABLE>