<TABLE> <S> <C>


<ARTICLE>                                                          9
<MULTIPLIER>                                                   1,000

<S>                                                              <C>
<PERIOD-TYPE>                                                  6-MOS
<FISCAL-YEAR-END>                                        MAR-31-1999
<PERIOD-START>                                           APR-01-1998
<PERIOD-END>                                             SEP-30-1998
<CASH>                                                         1,571
<INT-BEARING-DEPOSITS>                                        14,070
<FED-FUNDS-SOLD>                                               2,150
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                    6,400
<INVESTMENTS-CARRYING>                                        13,455
<INVESTMENTS-MARKET>                                          13,476
<LOANS>                                                      208,207
<ALLOWANCE>                                                      749
<TOTAL-ASSETS>                                               259,981
<DEPOSITS>                                                   221,495
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                            1,672
<LONG-TERM>                                                   12,000
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                       2,497
<OTHER-SE>                                                    22,317
<TOTAL-LIABILITIES-AND-EQUITY>                               259,981
<INTEREST-LOAN>                                                8,515
<INTEREST-INVEST>                                                623
<INTEREST-OTHER>                                                 536
<INTEREST-TOTAL>                                               9,674
<INTEREST-DEPOSIT>                                             5,250
<INTEREST-EXPENSE>                                             5,639
<INTEREST-INCOME-NET>                                          4,035
<LOAN-LOSSES>                                                     31
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                3,176
<INCOME-PRETAX>                                                1,378
<INCOME-PRE-EXTRAORDINARY>                                       909
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                     909
<EPS-BASIC>                                                    .35
<EPS-DILUTED>                                                    .34
<YIELD-ACTUAL>                                                  3.25
<LOANS-NON>                                                      359
<LOANS-PAST>                                                      28
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                                 729
<CHARGE-OFFS>                                                      7
<RECOVERIES>                                                       2
<ALLOWANCE-CLOSE>                                                740
<ALLOWANCE-DOMESTIC>                                               0
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          740



</TABLE>