<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> MAR-31-2001 <PERIOD-END> JUN-30-2000 <CASH> 5,665 <INT-BEARING-DEPOSITS> 177 <FED-FUNDS-SOLD> 2,283 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 55,597 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 342,846 <ALLOWANCE> 3,030 <TOTAL-ASSETS> 419,219 <DEPOSITS> 268,096 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,510 <LONG-TERM> 110,250 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,970 <OTHER-SE> 35,393 <TOTAL-LIABILITIES-AND-EQUITY> 419,219 <INTEREST-LOAN> 6,139 <INTEREST-INVEST> 1,091 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 7,230 <INTEREST-DEPOSIT> 2,343 <INTEREST-EXPENSE> 3,793 <INTEREST-INCOME-NET> 3,437 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 184 <EXPENSE-OTHER> 2,576 <INCOME-PRETAX> 1,199 <INCOME-PRE-EXTRAORDINARY> 1,199 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 765 <EPS-BASIC> 0.43 <EPS-DILUTED> 0.43 <YIELD-ACTUAL> 3.07 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,993 <CHARGE-OFFS> 0 <RECOVERIES> 37 <ALLOWANCE-CLOSE> 3,030 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0