<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10QSB FOR THE FISCAL QUARTER ENDED DECEMBER 31,
1996 AND IS QUAILIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       7,513,954
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 21,959,880
<INVESTMENTS-CARRYING>                      12,414,702
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    148,550,224
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                             201,738,025
<DEPOSITS>                                 166,692,747
<SHORT-TERM>                                15,928,000
<LIABILITIES-OTHER>                          2,940,197
<LONG-TERM>                                          0
<COMMON>                                     4,171,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  11,888,177
<TOTAL-LIABILITIES-AND-EQUITY>             201,738,025
<INTEREST-LOAN>                             10,198,326
<INTEREST-INVEST>                            1,763,711
<INTEREST-OTHER>                                56,530
<INTEREST-TOTAL>                            12,018,567
<INTEREST-DEPOSIT>                           5,054,003
<INTEREST-EXPENSE>                             941,985
<INTEREST-INCOME-NET>                        6,022,579
<LOAN-LOSSES>                                  225,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              6,107,913
<INCOME-PRETAX>                                832,541
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   558,263
<EPS-PRIMARY>                                     1.35
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                  2,600,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,758,688
<CHARGE-OFFS>                                  258,404
<RECOVERIES>                                    19,078
<ALLOWANCE-CLOSE>                            1,744,362
<ALLOWANCE-DOMESTIC>                         1,744,362
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0