<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              MAR-31-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                             408
<INT-BEARING-DEPOSITS>                           7,278
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        648
<INVESTMENTS-CARRYING>                          12,460
<INVESTMENTS-MARKET>                            13,507
<LOANS>                                         24,142
<ALLOWANCE>                                        339
<TOTAL-ASSETS>                                  45,768
<DEPOSITS>                                      35,079
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                296
<LONG-TERM>                                      3,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       7,388
<TOTAL-LIABILITIES-AND-EQUITY>                  45,768
<INTEREST-LOAN>                                  2,208
<INTEREST-INVEST>                                1,234
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,442
<INTEREST-DEPOSIT>                               1,502
<INTEREST-EXPENSE>                               1,721
<INTEREST-INCOME-NET>                            1,721
<LOAN-LOSSES>                                        7
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,295
<INCOME-PRETAX>                                    676
<INCOME-PRE-EXTRAORDINARY>                         676
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       414
<EPS-BASIC>                                     1.10
<EPS-DILUTED>                                     1.06
<YIELD-ACTUAL>                                    3.74
<LOANS-NON>                                        312
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   728
<LOANS-PROBLEM>                                    619
<ALLOWANCE-OPEN>                                   353
<CHARGE-OFFS>                                       23
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                  339
<ALLOWANCE-DOMESTIC>                               339
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            228



</TABLE>