<TABLE> <S> <C>


<ARTICLE>                                            9             
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              MAR-31-1998
<PERIOD-START>                                 APR-01-1997
<PERIOD-END>                                   MAR-31-1998                     
<CASH>                                         13,057
<INT-BEARING-DEPOSITS>                         18,604
<FED-FUNDS-SOLD>                               13,840
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    36,380
<INVESTMENTS-CARRYING>                          1,880
<INVESTMENTS-MARKET>                            1,881
<LOANS>                                       267,636
<ALLOWANCE>                                     3,852
<TOTAL-ASSETS>                                367,812
<DEPOSITS>                                    318,382
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                             3,068
<LONG-TERM>                                     9,602
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        2,836
<OTHER-SE>                                     33,924
<TOTAL-LIABILITIES-AND-EQUITY>                367,812
<INTEREST-LOAN>                                24,924
<INTEREST-INVEST>                               2,123
<INTEREST-OTHER>                                  859
<INTEREST-TOTAL>                               27,906
<INTEREST-DEPOSIT>                             11,899
<INTEREST-EXPENSE>                             12,975
<INTEREST-INCOME-NET>                          14,931
<LOAN-LOSSES>                                     235
<SECURITIES-GAINS>                                  8
<EXPENSE-OTHER>                                10,599
<INCOME-PRETAX>                                10,922
<INCOME-PRE-EXTRAORDINARY>                     10,922 
<EXTRAORDINARY>                                     0    
<CHANGES>                                           0    
<NET-INCOME>                                    7,215    
<EPS-PRIMARY>                                    2.62 <F1> 
<EPS-DILUTED>                                    2.42 <F1>
<YIELD-ACTUAL>                                   4.69
<LOANS-NON>                                     2,886
<LOANS-PAST>                                      303
<LOANS-TROUBLED>                                  894
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                3,739
<CHARGE-OFFS>                                     410
<RECOVERIES>                                      288
<ALLOWANCE-CLOSE>                               3,852
<ALLOWANCE-DOMESTIC>                            3,852
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         3,852
                                                
<FN>
EPS have been restated giving effect to the 3-for-2 stock split declared October
15, 1997. EPS also is restated in accordance with FASB 128 which was adopted 
April 1, 1997. Prior schedules have not been restated for the split.
</FN>

</TABLE>