<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
REPORT ON FORM  10-KSB  FOR THE  FISCAL  YEAR  ENDED  MARCH 31, 2000 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                                                                 <C>
<PERIOD-TYPE>                                                        12-MOS
<FISCAL-YEAR-END>                                                    MAR-31-2000
<PERIOD-END>                                                         MAR-31-2000
<CASH>                                                                     5,062
<INT-BEARING-DEPOSITS>                                                       60
<FED-FUNDS-SOLD>                                                             131
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               26,902
<INVESTMENTS-CARRYING>                                                    26,902
<INVESTMENTS-MARKET>                                                      26,902
<LOANS>                                                                  129,098
<ALLOWANCE>                                                                1,289
<TOTAL-ASSETS>                                                           175,254
<DEPOSITS>                                                               134,897
<SHORT-TERM>                                                                 574
<LIABILITIES-OTHER>                                                        1,022
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      13
<OTHER-SE>                                                                18,986
<TOTAL-LIABILITIES-AND-EQUITY>                                           175,254
<INTEREST-LOAN>                                                           10,099
<INTEREST-INVEST>                                                          1,713
<INTEREST-OTHER>                                                             129
<INTEREST-TOTAL>                                                          11,941
<INTEREST-DEPOSIT>                                                         5,256
<INTEREST-EXPENSE>                                                         5,892
<INTEREST-INCOME-NET>                                                      6,049
<LOAN-LOSSES>                                                                223
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            5,359
<INCOME-PRETAX>                                                            1,362
<INCOME-PRE-EXTRAORDINARY>                                                 1,362
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               1,070
<EPS-BASIC>                                                                .94
<EPS-DILUTED>                                                                .92
<YIELD-ACTUAL>                                                               8.2
<LOANS-NON>                                                                  773
<LOANS-PAST>                                                                 994
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             861
<CHARGE-OFFS>                                                                371
<RECOVERIES>                                                                  70
<ALLOWANCE-CLOSE>                                                          1,289
<ALLOWANCE-DOMESTIC>                                                       1,289
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      477


</TABLE>