<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10QSB FOR THE FISCAL QUARTER ENDED DECEMBER 31,
1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                       8,931,202
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 31,732,670
<INVESTMENTS-CARRYING>                      11,136,971
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    152,262,325
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                             215,975,934
<DEPOSITS>                                 168,184,817
<SHORT-TERM>                                21,726,000
<LIABILITIES-OTHER>                          4,273,371
<LONG-TERM>                                  6,064,000
<COMMON>                                         4,132
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  14,964,802
<TOTAL-LIABILITIES-AND-EQUITY>             215,975,934
<INTEREST-LOAN>                             10,098,787
<INTEREST-INVEST>                            1,667,396
<INTEREST-OTHER>                                64,174
<INTEREST-TOTAL>                            11,830,357
<INTEREST-DEPOSIT>                           5,088,390
<INTEREST-EXPENSE>                           1,369,048
<INTEREST-INCOME-NET>                        5,372,919
<LOAN-LOSSES>                                  180,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              5,271,869
<INCOME-PRETAX>                                823,715
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   561,540
<EPS-PRIMARY>                                     1.37
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                  1,524,000
<LOANS-PAST>                                   594,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,955,119
<CHARGE-OFFS>                                   95,821
<RECOVERIES>                                    13,161
<ALLOWANCE-CLOSE>                            2,052,459
<ALLOWANCE-DOMESTIC>                         2,052,459
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0