<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-QSB FOR THE QUARTER ENDED  SEPTEMBER 30, 2000 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-31-2001
<PERIOD-END>                                                         SEP-30-2000
<CASH>                                                                     5,173
<INT-BEARING-DEPOSITS>                                                        94
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               28,760
<INVESTMENTS-CARRYING>                                                    28,760
<INVESTMENTS-MARKET>                                                      28,760
<LOANS>                                                                  134,474
<ALLOWANCE>                                                                1,353
<TOTAL-ASSETS>                                                           181,734
<DEPOSITS>                                                               139,182
<SHORT-TERM>                                                              17,712
<LIABILITIES-OTHER>                                                        1,275
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      13
<OTHER-SE>                                                                19,539
<TOTAL-LIABILITIES-AND-EQUITY>                                           181,734
<INTEREST-LOAN>                                                            5,822
<INTEREST-INVEST>                                                            912
<INTEREST-OTHER>                                                               8
<INTEREST-TOTAL>                                                           6,742
<INTEREST-DEPOSIT>                                                         2,814
<INTEREST-EXPENSE>                                                         3,552
<INTEREST-INCOME-NET>                                                      3,192
<LOAN-LOSSES>                                                                124
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            3,337
<INCOME-PRETAX>                                                              752
<INCOME-PRE-EXTRAORDINARY>                                                   752
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 578
<EPS-BASIC>                                                                .53
<EPS-DILUTED>                                                                .53
<YIELD-ACTUAL>                                                               8.5
<LOANS-NON>                                                                  706
<LOANS-PAST>                                                               1,902
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                            3,045
<ALLOWANCE-OPEN>                                                           1,289
<CHARGE-OFFS>                                                                 80
<RECOVERIES>                                                                  29
<ALLOWANCE-CLOSE>                                                          1,353
<ALLOWANCE-DOMESTIC>                                                       1,353
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      547


</TABLE>