<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, 1999 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              MAR-31-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                               1,646
<INT-BEARING-DEPOSITS>                               1,322
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         15,441
<INVESTMENTS-CARRYING>                                 148
<INVESTMENTS-MARKET>                                   149
<LOANS>                                             63,897
<ALLOWANCE>                                          (625)
<TOTAL-ASSETS>                                      85,826
<DEPOSITS>                                          73,259
<SHORT-TERM>                                         2,580
<LIABILITIES-OTHER>                                    627
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 9
<OTHER-SE>                                           9,351
<TOTAL-LIABILITIES-AND-EQUITY>                      85,826
<INTEREST-LOAN>                                      1,395
<INTEREST-INVEST>                                      267
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     1,662
<INTEREST-DEPOSIT>                                     720
<INTEREST-EXPENSE>                                     772
<INTEREST-INCOME-NET>                                  890
<LOAN-LOSSES>                                           24
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        717
<INCOME-PRETAX>                                        321
<INCOME-PRE-EXTRAORDINARY>                             321
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           205
<EPS-BASIC>                                         0.30
<EPS-DILUTED>                                         0.30
<YIELD-ACTUAL>                                        4.37
<LOANS-NON>                                            597
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                        90
<LOANS-PROBLEM>                                        563
<ALLOWANCE-OPEN>                                       631
<CHARGE-OFFS>                                         (51)
<RECOVERIES>                                            21
<ALLOWANCE-CLOSE>                                      625
<ALLOWANCE-DOMESTIC>                                   625
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>