<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,  1998 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-31-1999
<PERIOD-END>                                                         DEC-31-1998
<CASH>                                                                     2,722
<INT-BEARING-DEPOSITS>                                                       314
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               30,419
<INVESTMENTS-CARRYING>                                                    30,419
<INVESTMENTS-MARKET>                                                      30,419
<LOANS>                                                                   97,143
<ALLOWANCE>                                                                  851
<TOTAL-ASSETS>                                                           141,648
<DEPOSITS>                                                               115,433
<SHORT-TERM>                                                                 501
<LIABILITIES-OTHER>                                                        1,820
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      13
<OTHER-SE>                                                                20,875
<TOTAL-LIABILITIES-AND-EQUITY>                                           141,648
<INTEREST-LOAN>                                                            5,884
<INTEREST-INVEST>                                                          1,368
<INTEREST-OTHER>                                                              81
<INTEREST-TOTAL>                                                           7,333
<INTEREST-DEPOSIT>                                                         3,531
<INTEREST-EXPENSE>                                                         3,765
<INTEREST-INCOME-NET>                                                      3,568
<LOAN-LOSSES>                                                                 65
<SECURITIES-GAINS>                                                             4
<EXPENSE-OTHER>                                                            3,155
<INCOME-PRETAX>                                                              842
<INCOME-PRE-EXTRAORDINARY>                                                   842
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 639
<EPS-PRIMARY>                                                                .55
<EPS-DILUTED>                                                                .52
<YIELD-ACTUAL>                                                               7.7
<LOANS-NON>                                                                  260
<LOANS-PAST>                                                                 653
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             831
<CHARGE-OFFS>                                                                 87
<RECOVERIES>                                                                  31
<ALLOWANCE-CLOSE>                                                            851
<ALLOWANCE-DOMESTIC>                                                         851
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      465
        

</TABLE>