<TABLE> <S> <C>

<ARTICLE>                                            9            
<MULTIPLIER>                                     1,000           
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS                    
<FISCAL-YEAR-END>                              MAR-31-1997               
<PERIOD-START>                                 APR-01-1996               
<PERIOD-END>                                   MAR-31-1997                                               
<CASH>                                         13,866
<INT-BEARING-DEPOSITS>                          1,672
<FED-FUNDS-SOLD>                                7,820
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    31,810
<INVESTMENTS-CARRYING>                          4,150
<INVESTMENTS-MARKET>                            4,106
<LOANS>                                       249,148 
<ALLOWANCE>                                     3,739
<TOTAL-ASSETS>                                326,365
<DEPOSITS>                                    269,799
<SHORT-TERM>                                   10,058
<LIABILITIES-OTHER>                             8,958
<LONG-TERM>                                     7,747
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        1,841
<OTHER-SE>                                     27,962
<TOTAL-LIABILITIES-AND-EQUITY>                326,365
<INTEREST-LOAN>                                15,985
<INTEREST-INVEST>                               1,178
<INTEREST-OTHER>                                  369
<INTEREST-TOTAL>                               17,532
<INTEREST-DEPOSIT>                              7,443
<INTEREST-EXPENSE>                              8,135
<INTEREST-INCOME-NET>                           9,201
<LOAN-LOSSES>                                     185
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 8,611
<INCOME-PRETAX>                                 4,236
<INCOME-PRE-EXTRAORDINARY>                      4,236
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    2,652
<EPS-PRIMARY>                                    1.15 <F2>
<EPS-DILUTED>                                    1.05 <F2>
<YIELD-ACTUAL>                                   4.61
<LOANS-NON>                                     2,796
<LOANS-PAST>                                       55
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,371
<CHARGE-OFFS>                                     148
<RECOVERIES>                                        5
<ALLOWANCE-CLOSE>                               3,739
<ALLOWANCE-DOMESTIC>                            3,739
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         3,739
        
<FN>
EPS has been restated in accordance with FASB 128 which was adopted April 1, 
1997.
</FN>

</TABLE>