<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
_____________________________________ AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          MAR-31-1998             MAR-31-1997
<PERIOD-START>                             APR-01-1997             APR-01-1996
<PERIOD-END>                               SEP-30-1997             SEP-30-1996
<CASH>                                          13,446                  10,061
<INT-BEARING-DEPOSITS>                           3,140                     913
<FED-FUNDS-SOLD>                                 6,440                   5,270
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      5,099                   7,554
<INVESTMENTS-CARRYING>                           2,902                   7,040
<INVESTMENTS-MARKET>                            31,318                  17,795
<LOANS>                                        258,019                 191,322
<ALLOWANCE>                                      3,764                   2,808
<TOTAL-ASSETS>                                 337,197                 255,946
<DEPOSITS>                                     278,834                 214,591
<SHORT-TERM>                                     9,650                   5,758
<LIABILITIES-OTHER>                              3,928                   4,142
<LONG-TERM>                                      7,047                   8,413
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         2,781                   1,599
<OTHER-SE>                                      31,369                  21,443
<TOTAL-LIABILITIES-AND-EQUITY>                 337,197                 255,946
<INTEREST-LOAN>                                 12,064                   6,492
<INTEREST-INVEST>                                1,302                     478
<INTEREST-OTHER>                                    53                     179
<INTEREST-TOTAL>                                13,419                   7,149
<INTEREST-DEPOSIT>                               5,451                   3,125
<INTEREST-EXPENSE>                               5,718                   3,380
<INTEREST-INCOME-NET>                            7,701                   3,769
<LOAN-LOSSES>                                      110                      20
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  5,248                   3,504
<INCOME-PRETAX>                                  4,907                   1,248
<INCOME-PRE-EXTRAORDINARY>                       4,907                   1,248
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,907                   1,248
<EPS-PRIMARY>                                     1.55                    0.52
<EPS-DILUTED>                                     1.54                     .51
<YIELD-ACTUAL>                                    4.76                    4.88
<LOANS-NON>                                      3,520                   2,512
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                     293
<ALLOWANCE-OPEN>                                 3,739                   1,371
<CHARGE-OFFS>                                      192                      35
<RECOVERIES>                                       107                       6
<ALLOWANCE-CLOSE>                                3,764                   2,808<F1>
<ALLOWANCE-DOMESTIC>                             3,764                   2,808
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
<FN>
<F1>Allowance added through acquisition totaled $1,446 in 1996
</FN>
        

</TABLE>