<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
These schedules contain summary financial information extracted from the 
December 31, 1996, September 30, 1996 and March 31, 1996 financial statements 
and are qualified in its entirety by reference to such financial statements.
</LEGEND>
<RESTATED> 
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   6-MOS                   12-MOS
<FISCAL-YEAR-END>                          MAR-31-1997             MAR-31-1997             MAR-31-1996
<PERIOD-END>                               DEC-31-1996             SEP-30-1996             MAR-31-1996
<CASH>                                         994,980               1,230,773                 296,198
<INT-BEARING-DEPOSITS>                          98,002                  70,046                 805,853
<FED-FUNDS-SOLD>                             1,125,000                 875,000               1,625,000
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                  2,052,734               2,596,389                 528,673
<INVESTMENTS-CARRYING>                       2,077,426               2,542,655               4,123,185
<INVESTMENTS-MARKET>                         2,068,983               2,504,573               4,081,351
<LOANS>                                     48,284,883              46,127,942              42,838,169
<ALLOWANCE>                                    296,389                 276,663                 221,356
<TOTAL-ASSETS>                              57,838,744              55,955,998              54,362,066
<DEPOSITS>                                  42,440,188              42,649,898              41,816,902
<SHORT-TERM>                                         0                       0                       0
<LIABILITIES-OTHER>                            233,565                 451,402                 154,087
<LONG-TERM>                                 10,190,000               7,940,000               7,465,000
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                       230,171                 230,086                 229,031
<OTHER-SE>                                   4,744,820               4,684,612               4,697,046
<TOTAL-LIABILITIES-AND-EQUITY>              57,838,744              55,955,998              54,362,066
<INTEREST-LOAN>                              3,089,153               2,039,118               3,965,600
<INTEREST-INVEST>                              226,981                 140,734                 210,078
<INTEREST-OTHER>                               110,802                  81,647                 214,011
<INTEREST-TOTAL>                             3,426,936               2,261,499               4,389,689
<INTEREST-DEPOSIT>                           1,450,791                 976,936               1,972,733
<INTEREST-EXPENSE>                           1,811,304               1,199,421               2,485,256
<INTEREST-INCOME-NET>                        1,615,632               1,062,078               1,904,433
<LOAN-LOSSES>                                   72,000                  51,000                  62,010
<SECURITIES-GAINS>                               6,748                       0                       0
<EXPENSE-OTHER>                              1,469,833               1,056,400               1,565,259
<INCOME-PRETAX>                                252,097                  70,848                 460,441
<INCOME-PRE-EXTRAORDINARY>                           0                       0                 460,441
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                   155,164                  33,795                 303,447
<EPS-PRIMARY>                                     0.68                    0.15                    1.33
<EPS-DILUTED>                                     0.66                    0.14                    1.30
<YIELD-ACTUAL>                                    4.01                    4.06                    3.68
<LOANS-NON>                                    105,528                  58,477                 375,338
<LOANS-PAST>                                         0                       0                       0
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                               221,356                 221,356                 183,683
<CHARGE-OFFS>                                    2,414                     330                  28,165
<RECOVERIES>                                     5,447                   4,637                   3,828
<ALLOWANCE-CLOSE>                              296,389                 276,663                 221,356
<ALLOWANCE-DOMESTIC>                           296,389                 276,663                 221,356
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0
        




</TABLE>