<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 JUNE 30, 1999 AND IS  QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                                                                 <C>
<PERIOD-TYPE>                                                        3-MOS
<FISCAL-YEAR-END>                                                    MAR-31-2000
<PERIOD-END>                                                         JUN-30-1999
<CASH>                                                                     4,942
<INT-BEARING-DEPOSITS>                                                       109
<FED-FUNDS-SOLD>                                                              83
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               25,514
<INVESTMENTS-CARRYING>                                                    25,514
<INVESTMENTS-MARKET>                                                      25,514
<LOANS>                                                                  115,352
<ALLOWANCE>                                                                1,245
<TOTAL-ASSETS>                                                           165,030
<DEPOSITS>                                                               139,264
<SHORT-TERM>                                                                 756
<LIABILITIES-OTHER>                                                        1,189
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      13
<OTHER-SE>                                                                19,501
<TOTAL-LIABILITIES-AND-EQUITY>                                           165,030
<INTEREST-LOAN>                                                            2,228
<INTEREST-INVEST>                                                            456
<INTEREST-OTHER>                                                              13
<INTEREST-TOTAL>                                                           2,699
<INTEREST-DEPOSIT>                                                         1,221
<INTEREST-EXPENSE>                                                         1,296
<INTEREST-INCOME-NET>                                                      1,403
<LOAN-LOSSES>                                                                 35
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            1,239
<INCOME-PRETAX>                                                              319
<INCOME-PRE-EXTRAORDINARY>                                                   319
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 252
<EPS-BASIC>                                                                .22
<EPS-DILUTED>                                                                .21
<YIELD-ACTUAL>                                                               7.9
<LOANS-NON>                                                                  436
<LOANS-PAST>                                                               1,574
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             861
<CHARGE-OFFS>                                                                150
<RECOVERIES>                                                                   9
<ALLOWANCE-CLOSE>                                                          1,245
<ALLOWANCE-DOMESTIC>                                                       1,245
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      248


</TABLE>