<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the March
31, 1998 financial statement and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          MAR-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                       1,149,870
<INT-BEARING-DEPOSITS>                          98,160
<FED-FUNDS-SOLD>                             2,720,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,144,041
<INVESTMENTS-CARRYING>                         949,672
<INVESTMENTS-MARKET>                           922,351
<LOANS>                                     50,624,539
<ALLOWANCE>                                    346,896
<TOTAL-ASSETS>                              63,015,163
<DEPOSITS>                                  45,171,416
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            313,012
<LONG-TERM>                                 12,190,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       711,960
<OTHER-SE>                                   4,628,775
<TOTAL-LIABILITIES-AND-EQUITY>              63,015,163
<INTEREST-LOAN>                              4,464,822
<INTEREST-INVEST>                              210,241
<INTEREST-OTHER>                               242,526
<INTEREST-TOTAL>                             4,917,589
<INTEREST-DEPOSIT>                           1,964,449
<INTEREST-EXPENSE>                           2,623,506
<INTEREST-INCOME-NET>                        2,294,083
<LOAN-LOSSES>                                   73,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,809,874
<INCOME-PRETAX>                                714,495
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   475,616
<EPS-PRIMARY>                                     0.68<F1>
<EPS-DILUTED>                                     0.67<F1>
<YIELD-ACTUAL>                                    3.99
<LOANS-NON>                                    225,056
<LOANS-PAST>                                    69,570
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               295,457
<CHARGE-OFFS>                                   22,429
<RECOVERIES>                                       868
<ALLOWANCE-CLOSE>                              346,896
<ALLOWANCE-DOMESTIC>                           346,896
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>A three for one stock split occurred on March 31, 1998. Previously filed
Financial Data Schedules have not been restated for this recapitalization.
</FN>
        

</TABLE>