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

  

[TYPE] EX-27
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE QUARTERLY REPORT ON FORM 10QSB FOR THE FISCAL QUARTER
ENDED JUNE 30, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                       7,305,731
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,969,983
<INVESTMENTS-CARRYING>                      38,519,305
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    151,822,077
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                             214,652,973
<DEPOSITS>                                 165,870,760
<SHORT-TERM>                                23,816,000
<LIABILITIES-OTHER>                          4,252,101
<LONG-TERM>                                  6,082,000
<COMMON>                                          4092
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  14,628,020
<TOTAL-LIABILITIES-AND-EQUITY>             214,652,973
<INTEREST-LOAN>                              3,258,689
<INTEREST-INVEST>                              561,499
<INTEREST-OTHER>                                20,238
<INTEREST-TOTAL>                             3,840,426
<INTEREST-DEPOSIT>                           1,644,571
<INTEREST-EXPENSE>                             437,665
<INTEREST-INCOME-NET>                        1,758,190
<LOAN-LOSSES>                                   75,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,829,200
<INCOME-PRETAX>                                191,715
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   136,847
<EPS-PRIMARY>                                      .33
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        777
<LOANS-PAST>                                       777
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,955,119
<CHARGE-OFFS>                                    6,919
<RECOVERIES>                                     6,011
<ALLOWANCE-CLOSE>                            2,029,211
<ALLOWANCE-DOMESTIC>                         2,029,211
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0