<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
<S>                             <C>                                  <C>                       
<PERIOD-TYPE>                   6-MOS                                6-MOS                     
<FISCAL-YEAR-END>                       MAR-31-1999                          MAR-31-1998
<PERIOD-START>                          APR-01-1998                          APR-01-1997
<PERIOD-END>                            SEP-30-1998                          SEP-30-1997
<EXCHANGE-RATE>                                   1                                    1
<CASH>                                       12,712                               13,446
<INT-BEARING-DEPOSITS>                       29,482                                3,140
<FED-FUNDS-SOLD>                             11,392                                6,440
<TRADING-ASSETS>                                  0                                    0
<INVESTMENTS-HELD-FOR-SALE>                   8,024                                5,099
<INVESTMENTS-CARRYING>                          730                                2,902
<INVESTMENTS-MARKET>                         35,749                               31,318
<LOANS>                                     267,555                              258,019
<ALLOWANCE>                                   3,894                                3,764
<TOTAL-ASSETS>                              385,582                              337,197
<DEPOSITS>                                  334,645                              278,834
<SHORT-TERM>                                      0                                9,650
<LIABILITIES-OTHER>                           3,347                                3,928
<LONG-TERM>                                   8,527                                7,047
<PREFERRED-MANDATORY>                             0                                    0
<PREFERRED>                                       0                                    0
<COMMON>                                      2,806                                2,781
<OTHER-SE>                                   36,258                               31,369
<TOTAL-LIABILITIES-AND-EQUITY>              385,582                              337,197
<INTEREST-LOAN>                              13,687                               12,063
<INTEREST-INVEST>                             1,036                                1,035
<INTEREST-OTHER>                              1,085                                  320
<INTEREST-TOTAL>                             15,809                               13,419
<INTEREST-DEPOSIT>                            7,168                                5,451
<INTEREST-EXPENSE>                            7,476                                6,088
<INTEREST-INCOME-NET>                         8,332                                7,331
<LOAN-LOSSES>                                   140                                  110
<SECURITIES-GAINS>                              223                                   (1)
<EXPENSE-OTHER>                               6,239                                5,248
<INCOME-PRETAX>                               3,821                                7,022
<INCOME-PRE-EXTRAORDINARY>                    3,821                                7,022
<EXTRAORDINARY>                                   0                                    0
<CHANGES>                                         0                                    0
<NET-INCOME>                                  2,609                                4,537
<EPS-PRIMARY>                                  0.93                                 1.64
<EPS-DILUTED>                                  0.88                                 1.54
<YIELD-ACTUAL>                                 4.82                                 4.80
<LOANS-NON>                                   3,898                                3,520
<LOANS-PAST>                                    375                                    0
<LOANS-TROUBLED>                                  0                                    0
<LOANS-PROBLEM>                                 640                                  156
<ALLOWANCE-OPEN>                              3,852                                3,739
<CHARGE-OFFS>                                   202                                  192
<RECOVERIES>                                    104                                  107
<ALLOWANCE-CLOSE>                             3,894                                3,764
<ALLOWANCE-DOMESTIC>                          3,894                                3,764
<ALLOWANCE-FOREIGN>                               0                                    0
<ALLOWANCE-UNALLOCATED>                       3,894                                3,764
                                                                     


</TABLE>