<TABLE> <S> <C>

<PAGE>
  
<ARTICLE> 9
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                        MAR-31-1999  
<PERIOD-START>                           APR-01-1998  
<PERIOD-END>                             JUN-30-1998  
<CASH>                                                  287,807
<INT-BEARING-DEPOSITS>                                7,169,749
<FED-FUNDS-SOLD>                                              0
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                             100,000
<INVESTMENTS-CARRYING>                                2,036,479
<INVESTMENTS-MARKET>                                  2,053,000
<LOANS>                                              18,876,311
<ALLOWANCE>                                            (47,671)
<TOTAL-ASSETS>                                       29,698,734
<DEPOSITS>                                           25,352,096
<SHORT-TERM>                                                  0
<LIABILITIES-OTHER>                                     193,732
<LONG-TERM>                                                   0
<COMMON>                                                  2,319
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<OTHER-SE>                                            4,067,924
<TOTAL-LIABILITIES-AND-EQUITY>                       29,698,734
<INTEREST-LOAN>                                         366,809
<INTEREST-INVEST>                                        32,969
<INTEREST-OTHER>                                        113,455
<INTEREST-TOTAL>                                        513,233
<INTEREST-DEPOSIT>                                      314,412
<INTEREST-EXPENSE>                                      314,412
<INTEREST-INCOME-NET>                                   198,821
<LOAN-LOSSES>                                             1,500
<SECURITIES-GAINS>                                            0
<EXPENSE-OTHER>                                         142,215
<INCOME-PRETAX>                                          65,505
<INCOME-PRE-EXTRAORDINARY>                               42,815
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                             42,815
<EPS-PRIMARY>                                               .20
<EPS-DILUTED>                                               .20
<YIELD-ACTUAL>                                             2.80
<LOANS-NON>                                             104,695
<LOANS-PAST>                                                  0
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                         46,171
<CHARGE-OFFS>                                                 0
<RECOVERIES>                                                  0
<ALLOWANCE-CLOSE>                                        47,671
<ALLOWANCE-DOMESTIC>                                     47,671
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                       0
        


</TABLE>