<TABLE> <S> <C>

PAGE><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, 1997
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-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                       7,385,691                
<INT-BEARING-DEPOSITS>                       2,592,000        
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,452,295
<INVESTMENTS-CARRYING>                       4,357,866
<INVESTMENTS-MARKET>                                 0        
<LOANS>                                    160,792,465
<ALLOWANCE>                                  1,050,961        
<TOTAL-ASSETS>                             182,879,465
<DEPOSITS>                                 132,962,517          
<SHORT-TERM>                                 8,000,000           
<LIABILITIES-OTHER>                          1,993,246         
<LONG-TERM>                                 15,000,000        
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,772
<OTHER-SE>                                  24,910,930
<TOTAL-LIABILITIES-AND-EQUITY>             182,879,465        
<INTEREST-LOAN>                              9,940,155          
<INTEREST-INVEST>                              378,684        
<INTEREST-OTHER>                                92,946      
<INTEREST-TOTAL>                            10,411,785     
<INTEREST-DEPOSIT>                           4,299,177        
<INTEREST-EXPENSE>                           5,487,417        
<INTEREST-INCOME-NET>                        4,924,368        
<LOAN-LOSSES>                                  417,631        
<SECURITIES-GAINS>                                   0      
<EXPENSE-OTHER>                              2,888,842
<INCOME-PRETAX>                              2,168,122        
<INCOME-PRE-EXTRAORDINARY>                   2,168,122         
<EXTRAORDINARY>                                      0        
<CHANGES>                                            0
<NET-INCOME>                                 1,363,475
<EPS-PRIMARY>                                     1.07        
<EPS-DILUTED>                                     1.06    
<YIELD-ACTUAL>                                       0  
<LOANS-NON>                                    810,000
<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>