<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM 10-QSB FOR THE QUARTER ENDED SEPTEMBER 30, 1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              MAR-31-1999
<PERIOD-END>                                   SEP-30-1998
<CASH>                                         3,469
<INT-BEARING-DEPOSITS>                         344
<FED-FUNDS-SOLD>                               2,943
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    30,896
<INVESTMENTS-CARRYING>                         30,896
<INVESTMENTS-MARKET>                           30,896
<LOANS>                                        96,042
<ALLOWANCE>                                    848
<TOTAL-ASSETS>                                 143,450
<DEPOSITS>                                     117,186
<SHORT-TERM>                                   856
<LIABILITIES-OTHER>                            1,684
<LONG-TERM>                                    897
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       13
<OTHER-SE>                                     20,704
<TOTAL-LIABILITIES-AND-EQUITY>                 143,450
<INTEREST-LOAN>                                3,859
<INTEREST-INVEST>                              917
<INTEREST-OTHER>                               74
<INTEREST-TOTAL>                               4,849
<INTEREST-DEPOSIT>                             2,326
<INTEREST-EXPENSE>                             2,503
<INTEREST-INCOME-NET>                          2,346
<LOAN-LOSSES>                                  40
<SECURITIES-GAINS>                             4
<EXPENSE-OTHER>                                2,076
<INCOME-PRETAX>                                553
<INCOME-PRE-EXTRAORDINARY>                     553
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   407
<EPS-PRIMARY>                                  .35
<EPS-DILUTED>                                  .33
<YIELD-ACTUAL>                                 7.7
<LOANS-NON>                                    225
<LOANS-PAST>                                   300
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                1,026
<ALLOWANCE-OPEN>                               856
<CHARGE-OFFS>                                  48
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              848
<ALLOWANCE-DOMESTIC>                           848
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        393