<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-2000
<PERIOD-END>                               DEC-31-1999
<CASH>                                       1,431,107
<INT-BEARING-DEPOSITS>                         251,372
<FED-FUNDS-SOLD>                             2,773,496
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 68,075,012
<INVESTMENTS-CARRYING>                       1,692,508
<INVESTMENTS-MARKET>                         1,747,414
<LOANS>                                    171,718,044
<ALLOWANCE>                                    482,400
<TOTAL-ASSETS>                             252,636,143
<DEPOSITS>                                 179,592,015
<SHORT-TERM>                                45,660,000
<LIABILITIES-OTHER>                          2,630,049
<LONG-TERM>                                          0
<COMMON>                                        16,645
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  24,737,434
<TOTAL-LIABILITIES-AND-EQUITY>             252,636,143
<INTEREST-LOAN>                              9,376,046
<INTEREST-INVEST>                            4,174,559
<INTEREST-OTHER>                                87,961
<INTEREST-TOTAL>                            13,638,556
<INTEREST-DEPOSIT>                           6,713,684
<INTEREST-EXPENSE>                           8,157,528
<INTEREST-INCOME-NET>                        5,481,038
<LOAN-LOSSES>                                   40,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,273,601
<INCOME-PRETAX>                              2,525,388
<INCOME-PRE-EXTRAORDINARY>                   1,476,931
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,476,931
<EPS-BASIC>                                      .91
<EPS-DILUTED>                                      .89
<YIELD-ACTUAL>                                    7.46
<LOANS-NON>                                          0
<LOANS-PAST>                                   521,344
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               457,000
<CHARGE-OFFS>                                   14,600
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              482,400
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        482,400