<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