<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              MAR-31-1998
<PERIOD-END>                                   JUN-30-1997
<CASH>                                                 368
<INT-BEARING-DEPOSITS>                                 296
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          2,081
<INVESTMENTS-CARRYING>                              21,712
<INVESTMENTS-MARKET>                                21,613
<LOANS>                                             24,846
<ALLOWANCE>                                           (375)
<TOTAL-ASSETS>                                      49,985
<DEPOSITS>                                          34,459
<SHORT-TERM>                                         7,104
<LIABILITIES-OTHER>                                    347
<LONG-TERM>                                            696
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 5
<OTHER-SE>                                           7,375
<TOTAL-LIABILITIES-AND-EQUITY>                      49,985
<INTEREST-LOAN>                                        534
<INTEREST-INVEST>                                      399
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                       933
<INTEREST-DEPOSIT>                                     378
<INTEREST-EXPENSE>                                     481
<INTEREST-INCOME-NET>                                  452
<LOAN-LOSSES>                                            1
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        295
<INCOME-PRETAX>                                        210
<INCOME-PRE-EXTRAORDINARY>                             131
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           131
<EPS-PRIMARY>                                          .32
<EPS-DILUTED>                                          .32
<YIELD-ACTUAL>                                        3.13
<LOANS-NON>                                            509
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                       819
<LOANS-PROBLEM>                                        930
<ALLOWANCE-OPEN>                                       377
<CHARGE-OFFS>                                            3
<RECOVERIES>                                             1
<ALLOWANCE-CLOSE>                                      375
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                375
        


</TABLE>