<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