<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>                                  6-MOS
<FISCAL-YEAR-END>                              MAR-31-1999
<PERIOD-END>                                   SEP-30-1998
<CASH>                                             383
<INT-BEARING-DEPOSITS>                           4,955
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,215
<INVESTMENTS-CARRYING>                          13,771
<INVESTMENTS-MARKET>                            13,937
<LOANS>                                         25,398
<ALLOWANCE>                                        349
<TOTAL-ASSETS>                                  47,521
<DEPOSITS>                                      35,180
<SHORT-TERM>                                     1,500
<LIABILITIES-OTHER>                                565
<LONG-TERM>                                      3,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       7,272
<TOTAL-LIABILITIES-AND-EQUITY>                  47,521
<INTEREST-LOAN>                                  1,153
<INTEREST-INVEST>                                  653
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 1,807
<INTEREST-DEPOSIT>                                 773
<INTEREST-EXPENSE>                                 908
<INTEREST-INCOME-NET>                              899
<LOAN-LOSSES>                                        4
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    642
<INCOME-PRETAX>                                    350
<INCOME-PRE-EXTRAORDINARY>                         350
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       217
<EPS-PRIMARY>                                      .57
<EPS-DILUTED>                                      .55
<YIELD-ACTUAL>                                    3.38
<LOANS-NON>                                        365
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   857
<LOANS-PROBLEM>                                    843
<ALLOWANCE-OPEN>                                   353
<CHARGE-OFFS>                                       (8)
<RECOVERIES>                                         4
<ALLOWANCE-CLOSE>                                  349
<ALLOWANCE-DOMESTIC>                               349
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            236
        


</TABLE>