<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                              9-MOS
<FISCAL-YEAR-END>                                                    MAR-31-1999
<PERIOD-START>                                                       APR-01-1998
<PERIOD-END>                                                         DEC-31-1998
<CASH>                                                                     1,985
<INT-BEARING-DEPOSITS>                                                    13,626
<FED-FUNDS-SOLD>                                                           1,650
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                7,364
<INVESTMENTS-CARRYING>                                                    17,350
<INVESTMENTS-MARKET>                                                      17,172
<LOANS>                                                                  211,614
<ALLOWANCE>                                                                  770
<TOTAL-ASSETS>                                                           268,022
<DEPOSITS>                                                               228,572
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        2,464
<LONG-TERM>                                                               12,000
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   2,500
<OTHER-SE>                                                                22,486
<TOTAL-LIABILITIES-AND-EQUITY>                                           268,022
<INTEREST-LOAN>                                                           12,825
<INTEREST-INVEST>                                                            911
<INTEREST-OTHER>                                                             792
<INTEREST-TOTAL>                                                          14,528
<INTEREST-DEPOSIT>                                                         7,873
<INTEREST-EXPENSE>                                                         8,408
<INTEREST-INCOME-NET>                                                      6,120
<LOAN-LOSSES>                                                                 47
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            4,803
<INCOME-PRETAX>                                                            2,045
<INCOME-PRE-EXTRAORDINARY>                                                 1,349
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               1,349
<EPS-PRIMARY>                                                                .54
<EPS-DILUTED>                                                                .54
<YIELD-ACTUAL>                                                              3.27
<LOANS-NON>                                                                  194
<LOANS-PAST>                                                                  57
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             721
<CHARGE-OFFS>                                                                  7
<RECOVERIES>                                                                   9
<ALLOWANCE-CLOSE>                                                            770
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      770
        


</TABLE>