<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> MAR-31-2001 <PERIOD-END> JUN-30-2000 <CASH> 1,558,622 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 983,765 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 66,300,636 <INVESTMENTS-CARRYING> 1,405,292 <INVESTMENTS-MARKET> 1,441,760 <LOANS> 174,739,549 <ALLOWANCE> 463,005 <TOTAL-ASSETS> 253,642,223 <DEPOSITS> 172,837,947 <SHORT-TERM> 50,400,000 <LIABILITIES-OTHER> 4,791,048 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16,645 <OTHER-SE> 25,656,583 <TOTAL-LIABILITIES-AND-EQUITY> 253,642,223 <INTEREST-LOAN> 3,359,713 <INTEREST-INVEST> 1,289,536 <INTEREST-OTHER> 80,652 <INTEREST-TOTAL> 4,729,901 <INTEREST-DEPOSIT> 2,152,197 <INTEREST-EXPENSE> 2,869,525 <INTEREST-INCOME-NET> 1,860,376 <LOAN-LOSSES> 35,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,181,717 <INCOME-PRETAX> 700,937 <INCOME-PRE-EXTRAORDINARY> 410,887 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 410,887 <EPS-BASIC> .25 <EPS-DILUTED> .25 <YIELD-ACTUAL> 7.77 <LOANS-NON> 0 <LOANS-PAST> 848,555 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 474,100 <CHARGE-OFFS> 46,095 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 463,005 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 463,005