<ARTICLE> 9 <RESTATED> <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> MAR-31-1997 <PERIOD-START> APR-01-1996 <PERIOD-END> MAR-31-1997 <CASH> 473 <INT-BEARING-DEPOSITS> 4155 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6363 <INVESTMENTS-CARRYING> 25526 <INVESTMENTS-MARKET> 25566 <LOANS> 221496 <ALLOWANCE> 1405 <TOTAL-ASSETS> 271185 <DEPOSITS> 153163 <SHORT-TERM> 45100 <LIABILITIES-OTHER> 5690 <LONG-TERM> 19800 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 29 <OTHER-SE> 47403 <TOTAL-LIABILITIES-AND-EQUITY> 271185 <INTEREST-LOAN> 17702 <INTEREST-INVEST> 2213 <INTEREST-OTHER> 50 <INTEREST-TOTAL> 19965 <INTEREST-DEPOSIT> 7704 <INTEREST-EXPENSE> 10827 <INTEREST-INCOME-NET> 9138 <LOAN-LOSSES> 350 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5670 <INCOME-PRETAX> 4105 <INCOME-PRE-EXTRAORDINARY> 4105 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2440 <EPS-PRIMARY> 1.03 <EPS-DILUTED> 1.01 <YIELD-ACTUAL> 3.56 <LOANS-NON> 404 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1075 <CHARGE-OFFS> 20 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1405 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1405