<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>


<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              MAR-31-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                             271
<INT-BEARING-DEPOSITS>                           4,818
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,220
<INVESTMENTS-CARRYING>                          13,346
<INVESTMENTS-MARKET>                            13,428
<LOANS>                                         24,843
<ALLOWANCE>                                        350
<TOTAL-ASSETS>                                  46,373
<DEPOSITS>                                      35,749
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                260
<LONG-TERM>                                      3,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       7,360
<TOTAL-LIABILITIES-AND-EQUITY>                  46,373
<INTEREST-LOAN>                                  1,707
<INTEREST-INVEST>                                  956
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,663
<INTEREST-DEPOSIT>                               1,151
<INTEREST-EXPENSE>                               1,335
<INTEREST-INCOME-NET>                            1,329
<LOAN-LOSSES>                                        7
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    995
<INCOME-PRETAX>                                    478
<INCOME-PRE-EXTRAORDINARY>                         296
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       296
<EPS-PRIMARY>                                      .79
<EPS-DILUTED>                                      .76
<YIELD-ACTUAL>                                    3.73
<LOANS-NON>                                        476
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   738
<LOANS-PROBLEM>                                    831
<ALLOWANCE-OPEN>                                   353
<CHARGE-OFFS>                                       11 
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                  349
<ALLOWANCE-DOMESTIC>                               349
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            237
        


</TABLE>