<TABLE> <S> <C>


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

<S>                                                                 <C>
<PERIOD-TYPE>                                                        6-MOS
<FISCAL-YEAR-END>                                                    MAR-31-2000
<PERIOD-END>                                                         SEP-30-1999
<CASH>                                                                     4,277
<INT-BEARING-DEPOSITS>                                                       108
<FED-FUNDS-SOLD>                                                              30
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               27,998
<INVESTMENTS-CARRYING>                                                    27,998
<INVESTMENTS-MARKET>                                                      27,998
<LOANS>                                                                  123,842
<ALLOWANCE>                                                                1,285
<TOTAL-ASSETS>                                                           171,190
<DEPOSITS>                                                               140,154
<SHORT-TERM>                                                               5,497
<LIABILITIES-OTHER>                                                        1,108
<LONG-TERM>                                                                  856
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      13
<OTHER-SE>                                                                19,271
<TOTAL-LIABILITIES-AND-EQUITY>                                           171,190
<INTEREST-LOAN>                                                            4,768
<INTEREST-INVEST>                                                            906
<INTEREST-OTHER>                                                              19
<INTEREST-TOTAL>                                                           5,694
<INTEREST-DEPOSIT>                                                         2,567
<INTEREST-EXPENSE>                                                         2,751
<INTEREST-INCOME-NET>                                                      2,942
<LOAN-LOSSES>                                                                 88
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            2,496
<INCOME-PRETAX>                                                              657
<INCOME-PRE-EXTRAORDINARY>                                                   657
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 513
<EPS-BASIC>                                                                .45
<EPS-DILUTED>                                                                .44
<YIELD-ACTUAL>                                                               7.8
<LOANS-NON>                                                                  471
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             861
<CHARGE-OFFS>                                                                156
<RECOVERIES>                                                                  19
<ALLOWANCE-CLOSE>                                                          1,285
<ALLOWANCE-DOMESTIC>                                                       1,285
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      250


</TABLE>