<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-PRIMARY>                                                                .37
<EPS-DILUTED>                                                                .36
<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>