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| EXHIBIT      11                                                                       |   |
|---------------------------------------------------------------------------------------|--------|
| COMPUTATION      OF EARNINGS PER SHARE                                                |   |
| (In      thousands, except share data)                                                |   |
| (Unaudited)                                                                           |   |
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                  |   | Three      Months Ended |   |   | Six      Months Ended |   |
|                                                                                  |   | September      30, |   |   | September      30, |   |
|                                                                                  |   | 2008 |   |   | 2007 |   |   | 2008 |   |   | 2007 |   |
| Earnings  per common share -      basic                                     |   |   |   |   |   |   |   |   |   |   |   |   |
| Net      income                                                                       |   | $ | 621 |   |   | $ | 764 |   |   | $ | 1,307 |   |   | $ | 1,907 |   |
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Weighted      average common shares outstanding                                       |   |   | 2,468,988 |   |   |   | 2,490,045 |   |   |   | 2,473,422 |   |   |   | 2,497,666 |   |
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Earning  per      common share                                              |   | $ | 0.25 |   |   | $ | 0.31 |   |   | $ | 0.53 |   |   | $ | 0.76 |   |
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Earnings  per common share –      diluted                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net      income                                                                       |   | $ | 621 |   |   | $ | 764 |   |   | $ | 1,307 |   |   | $ | 1,907 |   |
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Weighted      average common shares outstanding – basic                         |   |   | 2,468,988 |   |   |   | 2,490,045 |   |   |   | 2,473,422 |   |   |   | 2,497,666 |   |
| Effect      of dilutive securities - stock options and unvested restricted      stock |   |   | 29,571 |   |   |   | 69,462 |   |   |   | 34,144 |   |   |   | 72,104 |   |
| Weighted      average shares outstanding – diluted                              |   |   | 2,498,559 |   |   |   | 2,559,507 |   |   |   | 2,507,566 |   |   |   | 2,569,770 |   |
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Earning  per      common share                                              |   | $ | 0.25 |   |   | $ | 0.30 |   |   | $ | 0.52 |   |   | $ | 0.74 |   |

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