<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM  10-QSB  FOR THE  FISCAL  YEAR  ENDED  DECEMBER  31,  1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                                                                 <C>
<PERIOD-TYPE>                                                        9-MOS
<FISCAL-YEAR-END>                                                    MAR-31-2000
<PERIOD-END>                                                         DEC-31-1999
<CASH>                                                                     6,314
<INT-BEARING-DEPOSITS>                                                        60
<FED-FUNDS-SOLD>                                                             404
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               27,384
<INVESTMENTS-CARRYING>                                                    27,384
<INVESTMENTS-MARKET>                                                      27,384
<LOANS>                                                                  126,962
<ALLOWANCE>                                                                1,324
<TOTAL-ASSETS>                                                           174,952
<DEPOSITS>                                                               134,561
<SHORT-TERM>                                                              15,760
<LIABILITIES-OTHER>                                                        1,173
<LONG-TERM>                                                                  849
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      13
<OTHER-SE>                                                                19,241
<TOTAL-LIABILITIES-AND-EQUITY>                                           174,952
<INTEREST-LOAN>                                                            7,400
<INTEREST-INVEST>                                                          1,358
<INTEREST-OTHER>                                                              28
<INTEREST-TOTAL>                                                           8,787
<INTEREST-DEPOSIT>                                                         3,926
<INTEREST-EXPENSE>                                                         4,288
<INTEREST-INCOME-NET>                                                      4,499
<LOAN-LOSSES>                                                                160
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            3,827
<INCOME-PRETAX>                                                            1,184
<INCOME-PRE-EXTRAORDINARY>                                                   791
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 791
<EPS-BASIC>                                                                .70
<EPS-DILUTED>                                                                .68
<YIELD-ACTUAL>                                                               7.9
<LOANS-NON>                                                                1,051
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             861
<CHARGE-OFFS>                                                                201
<RECOVERIES>                                                                  31
<ALLOWANCE-CLOSE>                                                          1,324
<ALLOWANCE-DOMESTIC>                                                       1,324
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      359


</TABLE>