<TABLE> <S> <C>


<ARTICLE>                                                9          
<MULTIPLIER>                                         1,000
       
<S>                                               <C>
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                              MAR-31-1998
<PERIOD-START>                                 APR-01-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                               1,437
<INT-BEARING-DEPOSITS>                              10,578
<FED-FUNDS-SOLD>                                     3,331
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          6,931
<INVESTMENTS-CARRYING>                              17,609
<INVESTMENTS-MARKET>                                17,405
<LOANS>                                            206,530
<ALLOWANCE>                                            736
<TOTAL-ASSETS>                                     259,402
<DEPOSITS>                                         217,415
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  1,272
<LONG-TERM>                                         16,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             2,486
<OTHER-SE>                                          22,229
<TOTAL-LIABILITIES-AND-EQUITY>                      24,715
<INTEREST-LOAN>                                      4,294
<INTEREST-INVEST>                                      290
<INTEREST-OTHER>                                       281
<INTEREST-TOTAL>                                     4,865
<INTEREST-DEPOSIT>                                   2,607
<INTEREST-EXPENSE>                                   2,801
<INTEREST-INCOME-NET>                                2,064
<LOAN-LOSSES>                                           15
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,586
<INCOME-PRETAX>                                        723
<INCOME-PRE-EXTRAORDINARY>                             477
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           477
<EPS-PRIMARY>                                          .19
<EPS-DILUTED>                                          .19
<YIELD-ACTUAL>                                        3.33
<LOANS-NON>                                            353
<LOANS-PAST>                                            29
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       721
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      736
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                736
        


</TABLE>