<TABLE> <S> <C>

<PAGE>
<PAGE>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB FOR THE QUARTER ENDED DECEMBER 31, 1996
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       4,598,586                
<INT-BEARING-DEPOSITS>                       1,910,000        
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,271,510
<INVESTMENTS-CARRYING>                       5,072,255
<INVESTMENTS-MARKET>                                 0        
<LOANS>                                    148,374,998
<ALLOWANCE>                                          0        
<TOTAL-ASSETS>                             166,663,044
<DEPOSITS>                                 114,101,251          
<SHORT-TERM>                                28,000,000           
<LIABILITIES-OTHER>                          1,605,614         
<LONG-TERM>                                          0        
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,724
<OTHER-SE>                                  22,943,455     
<TOTAL-LIABILITIES-AND-EQUITY>             166,663,044        
<INTEREST-LOAN>                              9,082,320          
<INTEREST-INVEST>                              363,173        
<INTEREST-OTHER>                                81,605      
<INTEREST-TOTAL>                             9,527,098     
<INTEREST-DEPOSIT>                           3,773,232        
<INTEREST-EXPENSE>                           4,886,561        
<INTEREST-INCOME-NET>                        4,640,537        
<LOAN-LOSSES>                                  155,933        
<SECURITIES-GAINS>                                   0      
<EXPENSE-OTHER>                              2,917,593
<INCOME-PRETAX>                              1,956,225        
<INCOME-PRE-EXTRAORDINARY>                   1,956,225         
<EXTRAORDINARY>                                      0        
<CHANGES>                                            0
<NET-INCOME>                                 1,223,626
<EPS-PRIMARY>                                      .96        
<EPS-DILUTED>                                      .96  
<YIELD-ACTUAL>                                       0  
<LOANS-NON>                                    580,000
<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>