<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 December 31, 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>                                   DEC-31-1998
<CASH>                                                 804 
<INT-BEARING-DEPOSITS>                               5,074 
<FED-FUNDS-SOLD>                                         0 
<TRADING-ASSETS>                                         0 
<INVESTMENTS-HELD-FOR-SALE>                         11,957 
<INVESTMENTS-CARRYING>                                 190 
<INVESTMENTS-MARKET>                                   190 
<LOANS>                                             64,123 
<ALLOWANCE>                                           (713)
<TOTAL-ASSETS>                                      85,268 
<DEPOSITS>                                          68,666 
<SHORT-TERM>                                         4,304 
<LIABILITIES-OTHER>                                    704 
<LONG-TERM>                                              0 
<PREFERRED-MANDATORY>                                    0 
<PREFERRED>                                              0 
<COMMON>                                                 9 
<OTHER-SE>                                          11,585 
<TOTAL-LIABILITIES-AND-EQUITY>                      85,268 
<INTEREST-LOAN>                                      1,431 
<INTEREST-INVEST>                                      212 
<INTEREST-OTHER>                                         0 
<INTEREST-TOTAL>                                     1,643 
<INTEREST-DEPOSIT>                                     788 
<INTEREST-EXPENSE>                                     846 
<INTEREST-INCOME-NET>                                  797 
<LOAN-LOSSES>                                           30 
<SECURITIES-GAINS>                                       0 
<EXPENSE-OTHER>                                        690 
<INCOME-PRETAX>                                        189 
<INCOME-PRE-EXTRAORDINARY>                             189 
<EXTRAORDINARY>                                          0 
<CHANGES>                                                0 
<NET-INCOME>                                           115 
<EPS-PRIMARY>                                         0.15 
<EPS-DILUTED>                                         0.15 
<YIELD-ACTUAL>                                        3.96 
<LOANS-NON>                                            476 
<LOANS-PAST>                                             0 
<LOANS-TROUBLED>                                         0 
<LOANS-PROBLEM>                                          0 
<ALLOWANCE-OPEN>                                      (704)
<CHARGE-OFFS>                                           44 
<RECOVERIES>                                           (23)
<ALLOWANCE-CLOSE>                                     (713)
<ALLOWANCE-DOMESTIC>                                   473 
<ALLOWANCE-FOREIGN>                                      0 
<ALLOWANCE-UNALLOCATED>                                240 
                                               

</TABLE>