<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     ANNUAL  REPORT ON FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                      1,000
       
<S>                                               <C>
<PERIOD-TYPE>                                     12-MOS
<FISCAL-YEAR-END>                                 MAR-31-1998
<PERIOD-END>                                      MAR-31-1998
<CASH>                                                     97
<INT-BEARING-DEPOSITS>                                  1,469
<FED-FUNDS-SOLD>                                            0
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                             5,387
<INVESTMENTS-CARRYING>                                    527
<INVESTMENTS-MARKET>                                      536
<LOANS>                                                23,647
<ALLOWANCE>                                               169
<TOTAL-ASSETS>                                         31,735
<DEPOSITS>                                             20,596
<SHORT-TERM>                                                0
<LIABILITIES-OTHER>                                       558
<LONG-TERM>                                                 0
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                                   66
<OTHER-SE>                                             10,515
<TOTAL-LIABILITIES-AND-EQUITY>                         31,735
<INTEREST-LOAN>                                         1,930
<INTEREST-INVEST>                                         420
<INTEREST-OTHER>                                            0
<INTEREST-TOTAL>                                        2,350
<INTEREST-DEPOSIT>                                        986
<INTEREST-EXPENSE>                                        986
<INTEREST-INCOME-NET>                                   1,364
<LOAN-LOSSES>                                               6
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                           801
<INCOME-PRETAX>                                           583
<INCOME-PRE-EXTRAORDINARY>                                374
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                              374
<EPS-PRIMARY>                                             .47
<EPS-DILUTED>                                             .47
<YIELD-ACTUAL>                                            4.5
<LOANS-NON>                                               166
<LOANS-PAST>                                                0
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                          164
<CHARGE-OFFS>                                               2
<RECOVERIES>                                                0
<ALLOWANCE-CLOSE>                                         169
<ALLOWANCE-DOMESTIC>                                      169
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0
        


</TABLE>