<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
      This schedule contains summary information extracted form the Company's
consolidated balance sheet at March 31, 2000 and the consolidated statement of
income for the year ended, and is qualified in its entirety by reference to such
financial statements.
</LEGEND>

<S>                                                  <C>
<PERIOD-TYPE>                                               YEAR
<FISCAL-YEAR-END>                                    MAR-31-2000
<PERIOD-END>                                         MAR-31-2000
<CASH>                                                     7,567
<INT-BEARING-DEPOSITS>                                    10,075
<FED-FUNDS-SOLD>                                          25,000
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                               62,365
<INVESTMENTS-CARRYING>                                    35,568
<INVESTMENTS-MARKET>                                      34,799
<LOANS>                                                  182,120
<ALLOWANCE>                                                1,188
<TOTAL-ASSETS>                                           332,344
<DEPOSITS>                                               275,772
<SHORT-TERM>                                                  88
<LIABILITIES-OTHER>                                        3,797
<LONG-TERM>                                                    0
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                     521
<OTHER-SE>                                                52,168
<TOTAL-LIABILITIES-AND-EQUITY>                           332,344
<INTEREST-LOAN>                                           12,427
<INTEREST-INVEST>                                          5,796
<INTEREST-OTHER>                                           2,313
<INTEREST-TOTAL>                                          20,536
<INTEREST-DEPOSIT>                                         9,821
<INTEREST-EXPENSE>                                         9,868
<INTEREST-INCOME-NET>                                     10,668
<LOAN-LOSSES>                                                100
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                            7,027
<INCOME-PRETAX>                                            3,835
<INCOME-PRE-EXTRAORDINARY>                                 3,835
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                               2,392
<EPS-BASIC>                                                 0.48
<EPS-DILUTED>                                               0.48
<YIELD-ACTUAL>                                              3.55
<LOANS-NON>                                                  969
<LOANS-PAST>                                                   0
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                           1,094
<CHARGE-OFFS>                                                  6
<RECOVERIES>                                                   0
<ALLOWANCE-CLOSE>                                          1,188
<ALLOWANCE-DOMESTIC>                                       1,188
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0



</TABLE>