<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
DECEMBER 31, 1998 FINANCIALS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>


<MULTIPLIER>                                   1,000

<S>                                                <C>
<PERIOD-TYPE>                                     9-MOS
<FISCAL-YEAR-END>                              MAR-31-1999
<PERIOD-START>                                 APR-01-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                         41,668
<INT-BEARING-DEPOSITS>                          8,104
<FED-FUNDS-SOLD>                               12,441
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    37,734
<INVESTMENTS-CARRYING>                            682
<INVESTMENTS-MARKET>                              689
<LOANS>                                       298,465
<ALLOWANCE>                                     5,200
<TOTAL-ASSETS>                                418,049
<DEPOSITS>                                    364,498
<SHORT-TERM>                                   12,338
<LIABILITIES-OTHER>                             2,911
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                           2,812
<PREFERRED>                                         0
<COMMON>                                            0
<OTHER-SE>                                     35,491
<TOTAL-LIABILITIES-AND-EQUITY>                418,049
<INTEREST-LOAN>                                20,753
<INTEREST-INVEST>                               1,539
<INTEREST-OTHER>                                1,566
<INTEREST-TOTAL>                               23,858
<INTEREST-DEPOSIT>                             10,686
<INTEREST-EXPENSE>                             11,131
<INTEREST-INCOME-NET>                          12,727
<LOAN-LOSSES>                                   1,614
<SECURITIES-GAINS>                                282
<EXPENSE-OTHER>                                10,973
<INCOME-PRETAX>                                 2,957
<INCOME-PRE-EXTRAORDINARY>                      2,957
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    2,105
<EPS-BASIC>                                    0.75
<EPS-DILUTED>                                    0.69
<YIELD-ACTUAL>                                   4.91
<LOANS-NON>                                     2,455
<LOANS-PAST>                                       38
<LOANS-TROUBLED>                                  100
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                3,852
<CHARGE-OFFS>                                     453
<RECOVERIES>                                      187
<ALLOWANCE-CLOSE>                               5,200
<ALLOWANCE-DOMESTIC>                            5,200
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         5,200




</TABLE>