<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  SEPTEMBER 30, 1998 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                          1
       
<S>                                            <C>
<PERIOD-TYPE>                                     6-MOS
<FISCAL-YEAR-END>                           MAR-31-1999
<PERIOD-END>                                SEP-30-1998
<CASH>                                        5,505,611
<INT-BEARING-DEPOSITS>                          466,000
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                   3,911,443
<INVESTMENTS-CARRYING>                        4,399,463
<INVESTMENTS-MARKET>                                  0
<LOANS>                                     164,309,237
<ALLOWANCE>                                           0
<TOTAL-ASSETS>                              187,494,864
<DEPOSITS>                                  144,243,375
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                           2,012,056
<LONG-TERM>                                  15,000,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                         25,706
<OTHER-SE>                                   26,059,907
<TOTAL-LIABILITIES-AND-EQUITY>              187,494,864
<INTEREST-LOAN>                               6,863,209
<INTEREST-INVEST>                               150,089
<INTEREST-OTHER>                                101,016
<INTEREST-TOTAL>                              7,114,314
<INTEREST-DEPOSIT>                            3,151,629
<INTEREST-EXPENSE>                            3,658,347
<INTEREST-INCOME-NET>                         3,455,967
<LOAN-LOSSES>                                    99,999
<SECURITIES-GAINS>                              168,935
<EXPENSE-OTHER>                               2,601,178
<INCOME-PRETAX>                               1,547,059
<INCOME-PRE-EXTRAORDINARY>                    1,547,059
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                    879,503
<EPS-PRIMARY>                                       .34
<EPS-DILUTED>                                       .33
<YIELD-ACTUAL>                                        0
<LOANS-NON>                                           0
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                      0
<CHARGE-OFFS>                                         0
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                     0
<ALLOWANCE-DOMESTIC>                                  0
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0
        


</TABLE>