<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FOMR 10QSB FOR THE FISCAL QUARTER ENDED JUNE 30, 1996 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                       7,478,765
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 30,362,909
<INVESTMENTS-CARRYING>                      14,642,392
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    151,436,668
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                             215,214,688
<DEPOSITS>                                 170,901,385
<SHORT-TERM>                                23,521,000
<LIABILITIES-OTHER>                          4,406,343
<LONG-TERM>                                  5,650,000
<COMMON>                                     4,132,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  15,663,623
<TOTAL-LIABILITIES-AND-EQUITY>             215,214,688
<INTEREST-LOAN>                              3,375,487
<INTEREST-INVEST>                              608,825
<INTEREST-OTHER>                                20,332
<INTEREST-TOTAL>                             4,004,644
<INTEREST-DEPOSIT>                           1,723,233
<INTEREST-EXPENSE>                             348,127
<INTEREST-INCOME-NET>                        1,933,284
<LOAN-LOSSES>                                   75,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,802,532
<INCOME-PRETAX>                                417,151
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   278,500
<EPS-PRIMARY>                                      .67
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                      1,173
<LOANS-PAST>                                       498
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,758,688
<CHARGE-OFFS>                                   63,190
<RECOVERIES>                                     3,135
<ALLOWANCE-CLOSE>                            1,773,633
<ALLOWANCE-DOMESTIC>                         1,773,633
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0