<TABLE> <S> <C>


<ARTICLE>                                                               9
<MULTIPLIER>                                                        1,000

<S>                                                                   <C>
<PERIOD-TYPE>                                                       3-MOS
<FISCAL-YEAR-END>                                             MAR-31-2000
<PERIOD-START>                                                APR-01-1999
<PERIOD-END>                                                  JUN-30-1999
<CASH>                                                              2,093
<INT-BEARING-DEPOSITS>                                              9,813
<FED-FUNDS-SOLD>                                                    5,025
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                        10,174
<INVESTMENTS-CARRYING>                                             19,436
<INVESTMENTS-MARKET>                                               19,171
<LOANS>                                                           223,947
<ALLOWANCE>                                                           706
<TOTAL-ASSETS>                                                    284,991
<DEPOSITS>                                                        249,442
<SHORT-TERM>                                                            0
<LIABILITIES-OTHER>                                                 1,554
<LONG-TERM>                                                         9,000
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<COMMON>                                                            2,630
<OTHER-SE>                                                         22,365
<TOTAL-LIABILITIES-AND-EQUITY>                                    284,991
<INTEREST-LOAN>                                                     4,304
<INTEREST-INVEST>                                                     278
<INTEREST-OTHER>                                                      324
<INTEREST-TOTAL>                                                    4,906
<INTEREST-DEPOSIT>                                                  2,682
<INTEREST-EXPENSE>                                                  2,809
<INTEREST-INCOME-NET>                                               2,097
<LOAN-LOSSES>                                                          21
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                     1,749
<INCOME-PRETAX>                                                       517
<INCOME-PRE-EXTRAORDINARY>                                            342
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                          342
<EPS-BASIC>                                                         .13
<EPS-DILUTED>                                                         .13
<YIELD-ACTUAL>                                                       3.17
<LOANS-NON>                                                           249
<LOANS-PAST>                                                           26
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                      678
<CHARGE-OFFS>                                                           1
<RECOVERIES>                                                            8
<ALLOWANCE-CLOSE>                                                     706
<ALLOWANCE-DOMESTIC>                                                    0
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                               706



</TABLE>