<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-31-1998
<PERIOD-END>                                   DEC-31-1997
<CASH>                                                 360      
<INT-BEARING-DEPOSITS>                               1,722
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          2,163
<INVESTMENTS-CARRYING>                              16,676
<INVESTMENTS-MARKET>                                16,851
<LOANS>                                             25,386
<ALLOWANCE>                                           (359)
<TOTAL-ASSETS>                                      46,956
<DEPOSITS>                                          34,969
<SHORT-TERM>                                         4,196
<LIABILITIES-OTHER>                                    308
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 5
<OTHER-SE>                                           7,478
<TOTAL-LIABILITIES-AND-EQUITY>                      46,956
<INTEREST-LOAN>                                      1,644
<INTEREST-INVEST>                                    1,108
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     2,752
<INTEREST-DEPOSIT>                                   1,156 
<INTEREST-EXPENSE>                                   1,416
<INTEREST-INCOME-NET>                                1,336
<LOAN-LOSSES>                                            3
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        896
<INCOME-PRETAX>                                        600
<INCOME-PRE-EXTRAORDINARY>                             384
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           384
<EPS-PRIMARY>                                         1.01<F1>
<EPS-DILUTED>                                          .98
<YIELD-ACTUAL>                                        2.36
<LOANS-NON>                                            479
<LOANS-PAST>                                           479
<LOANS-TROUBLED>                                       778
<LOANS-PROBLEM>                                        859
<ALLOWANCE-OPEN>                                       367
<CHARGE-OFFS>                                            9
<RECOVERIES>                                             1
<ALLOWANCE-CLOSE>                                      359
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                251
<FN>
<F1> BASIC EPS
</FN>
        


</TABLE>