<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> MAR-31-2001 <PERIOD-END> SEP-30-2000 <CASH> 5,156 <INT-BEARING-DEPOSITS> 177 <FED-FUNDS-SOLD> 277 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 55,394 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 351,493 <ALLOWANCE> 3,034 <TOTAL-ASSETS> 429,113 <DEPOSITS> 268,200 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,865 <LONG-TERM> 119,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,970 <OTHER-SE> 36,078 <TOTAL-LIABILITIES-AND-EQUITY> 429,113 <INTEREST-LOAN> 12,834 <INTEREST-INVEST> 2,155 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 14,989 <INTEREST-DEPOSIT> 4,819 <INTEREST-EXPENSE> 8,090 <INTEREST-INCOME-NET> 6,899 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 376 <EXPENSE-OTHER> 5,016 <INCOME-PRETAX> 2,575 <INCOME-PRE-EXTRAORDINARY> 2,575 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,642 <EPS-BASIC> 0.93 <EPS-DILUTED> 0.93 <YIELD-ACTUAL> 3.09 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,993 <CHARGE-OFFS> 5 <RECOVERIES> 46 <ALLOWANCE-CLOSE> 3,034 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0