<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              MAR-31-1998
<PERIOD-END>                                   DEC-31-1997
<CASH>                                                 567
<INT-BEARING-DEPOSITS>                               6,721
<FED-FUNDS-SOLD>                                     1,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              2
<INVESTMENTS-CARRYING>                              60,829
<INVESTMENTS-MARKET>                                61,179
<LOANS>                                             40,398
<ALLOWANCE>                                            245
<TOTAL-ASSETS>                                     111,702
<DEPOSITS>                                          90,805
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                 10,446
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                65
<OTHER-SE>                                          10,386
<TOTAL-LIABILITIES-AND-EQUITY>                     111,702
<INTEREST-LOAN>                                      2,341
<INTEREST-INVEST>                                    3,288
<INTEREST-OTHER>                                        29
<INTEREST-TOTAL>                                     5,658
<INTEREST-DEPOSIT>                                   2,925
<INTEREST-EXPENSE>                                     449
<INTEREST-INCOME-NET>                                2,284
<LOAN-LOSSES>                                           27
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,453
<INCOME-PRETAX>                                        947
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           549
<EPS-PRIMARY>                                          .85
<EPS-DILUTED>                                          .82
<YIELD-ACTUAL>                                        2.82
<LOANS-NON>                                              0
<LOANS-PAST>                                           165
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       245
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                        0
<ALLOWANCE-DOMESTIC>                                   245
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>