<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED 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>                                  3-MOS
<FISCAL-YEAR-END>                              MAR-31-2000
<PERIOD-END>                                   JUN-30-1999
<CASH>                                             508
<INT-BEARING-DEPOSITS>                           9,745
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        336
<INVESTMENTS-CARRYING>                          10,718
<INVESTMENTS-MARKET>                            10,665
<LOANS>                                         24,274
<ALLOWANCE>                                        340
<TOTAL-ASSETS>                                  46,796
<DEPOSITS>                                      35,981
<SHORT-TERM>                                     3,000
<LIABILITIES-OTHER>                                326
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       7,484
<TOTAL-LIABILITIES-AND-EQUITY>                  46,796
<INTEREST-LOAN>                                    526
<INTEREST-INVEST>                                  115
<INTEREST-OTHER>                                   164
<INTEREST-TOTAL>                                   805
<INTEREST-DEPOSIT>                                 349
<INTEREST-EXPENSE>                                 385
<INTEREST-INCOME-NET>                              420
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    339
<INCOME-PRETAX>                                    138
<INCOME-PRE-EXTRAORDINARY>                         138
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        85
<EPS-BASIC>                                      .23
<EPS-DILUTED>                                      .22
<YIELD-ACTUAL>                                    3.17
<LOANS-NON>                                        227
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   717
<LOANS-PROBLEM>                                  1,325
<ALLOWANCE-OPEN>                                   339
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  339
<ALLOWANCE-DOMESTIC>                               339
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            228



</TABLE>