WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE>        9
<MULTIPLIER>     1000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   YEAR
<FISCAL-YEAR-END>                          MAR-31-1999             MAR-31-1999
<PERIOD-END>                               MAR-31-1999             MAR-31-1999
<CASH>                                             N/A                   6,593
<INT-BEARING-DEPOSITS>                             N/A                      98
<FED-FUNDS-SOLD>                                   N/A                  11,000
<TRADING-ASSETS>                                   N/A                       0
<INVESTMENTS-HELD-FOR-SALE>                        N/A                  87,656
<INVESTMENTS-CARRYING>                             N/A                  14,656
<INVESTMENTS-MARKET>                               N/A                  15,327
<LOANS>                                            N/A                 123,747
<ALLOWANCE>                                        N/A                   1,592
<TOTAL-ASSETS>                                     N/A                 251,167
<DEPOSITS>                                         N/A                 199,536
<SHORT-TERM>                                       N/A                  12,878
<LIABILITIES-OTHER>                                N/A                   1,105
<LONG-TERM>                                        N/A                       0
<PREFERRED-MANDATORY>                              N/A                       0
<PREFERRED>                                        N/A                       0
<COMMON>                                           N/A                   4,000
<OTHER-SE>                                         N/A                  27,648
<TOTAL-LIABILITIES-AND-EQUITY>                     N/A                 251,167
<INTEREST-LOAN>                                  2,598                   2,598
<INTEREST-INVEST>                                1,589                   1,589
<INTEREST-OTHER>                                   128                     128
<INTEREST-TOTAL>                                 4,315                   4,315
<INTEREST-DEPOSIT>                               1,690                   1,690
<INTEREST-EXPENSE>                               1,917                   1,917
<INTEREST-INCOME-NET>                            2,398                   2,398
<LOAN-LOSSES>                                       60                      60
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  1,440                   1,440
<INCOME-PRETAX>                                  1,178                   1,178
<INCOME-PRE-EXTRAORDINARY>                         831                     831
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       831                     831
<EPS-PRIMARY>                                     0.52                    0.52
<EPS-DILUTED>                                     0.52                    0.52
<YIELD-ACTUAL>                                     N/A                    4.03
<LOANS-NON>                                        N/A                     105
<LOANS-PAST>                                       N/A                     323
<LOANS-TROUBLED>                                   N/A                       0
<LOANS-PROBLEM>                                    N/A                       0
<ALLOWANCE-OPEN>                                   N/A                   1,580
<CHARGE-OFFS>                                      N/A                      51
<RECOVERIES>                                       N/A                       3
<ALLOWANCE-CLOSE>                                  N/A                   1,592
<ALLOWANCE-DOMESTIC>                               N/A                   1,536
<ALLOWANCE-FOREIGN>                                N/A                       0
<ALLOWANCE-UNALLOCATED>                            N/A                      56
        

</TABLE>