<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
These schedules contain summary financial information extracted from the
September 30, 1997, June 30, 1997 and March 30, 1997 financial statements and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<RESTATED> 
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   3-MOS                   12-MOS
<FISCAL-YEAR-END>                          MAR-31-1998             MAR-31-1998             MAR-31-1997
<PERIOD-END>                               SEP-30-1997             JUN-30-1997             MAR-31-1997
<CASH>                                       1,117,193               1,314,495               1,156,277
<INT-BEARING-DEPOSITS>                         111,511                 426,311                 104,683
<FED-FUNDS-SOLD>                             3,825,000               2,125,000               1,875,000
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                  2,458,718               2,119,625               2,440,662
<INVESTMENTS-CARRYING>                         949,391                 949,250                 949,109
<INVESTMENTS-MARKET>                           942,369                 913,791                 911,125
<LOANS>                                     50,223,342              50,040,573              49,394,455
<ALLOWANCE>                                    321,918                 308,217                 295,457
<TOTAL-ASSETS>                              61,473,275              59,738,638              58,925,368
<DEPOSITS>                                  44,504,591              42,390,618              42,180,698
<SHORT-TERM>                                         0                       0                       0
<LIABILITIES-OTHER>                            251,335                 267,351                 229,125
<LONG-TERM>                                 11,440,000              11,940,000              11,440,000
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                       232,991                 232,583                 231,439
<OTHER-SE>                                   5,044,358               4,907,906               4,844,106
<TOTAL-LIABILITIES-AND-EQUITY>              61,473,275              59,738,638              58,925,368
<INTEREST-LOAN>                              2,213,600               1,093,317               4,155,451
<INTEREST-INVEST>                              102,858                  52,203                 258,042
<INTEREST-OTHER>                                85,769                  34,251                 175,153
<INTEREST-TOTAL>                             2,402,227               1,179,771               4,588,646
<INTEREST-DEPOSIT>                             954,006                 471,244               1,909,686
<INTEREST-EXPENSE>                           1,286,130                 632,650               2,436,580
<INTEREST-INCOME-NET>                        1,116,097                 547,121               2,152,066
<LOAN-LOSSES>                                   32,000                  17,000                  87,000
<SECURITIES-GAINS>                                   0                       0                   6,748
<EXPENSE-OTHER>                                869,850                 425,602               1,913,379
<INCOME-PRETAX>                                358,080                 170,368                 386,708
<INCOME-PRE-EXTRAORDINARY>                           0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                   238,873                 112,518                 242,775
<EPS-PRIMARY>                                     1.03                    0.49                    1.06
<EPS-DILUTED>                                     1.01                    0.48                    1.03
<YIELD-ACTUAL>                                    4.18                    4.05                    4.07
<LOANS-NON>                                    337,296                 438,210                 145,466
<LOANS-PAST>                                         0                       0                       0
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                               295,457                 295,457                 221,356
<CHARGE-OFFS>                                    5,773                   4,773                  20,180
<RECOVERIES>                                       234                     533                   7,911
<ALLOWANCE-CLOSE>                              321,918                 308,217                 295,457
<ALLOWANCE-DOMESTIC>                           321,918                 308,217                 295,457
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0
        


</TABLE>