<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       1,783,017
<INT-BEARING-DEPOSITS>                         380,450
<FED-FUNDS-SOLD>                             3,547,762
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 30,842,416
<INVESTMENTS-CARRYING>                      33,614,698
<INVESTMENTS-MARKET>                        33,128,560
<LOANS>                                    142,001,778
<ALLOWANCE>                                    380,000
<TOTAL-ASSETS>                             218,776,832
<DEPOSITS>                                 167,696,752
<SHORT-TERM>                                20,395,000
<LIABILITIES-OTHER>                          2,479,072
<LONG-TERM>                                          0
<COMMON>                                        17,544
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<OTHER-SE>                                  28,188,464
<TOTAL-LIABILITIES-AND-EQUITY>             218,776,832
<INTEREST-LOAN>                              7,635,705
<INTEREST-INVEST>                            2,561,385
<INTEREST-OTHER>                               223,279
<INTEREST-TOTAL>                            11,358,885
<INTEREST-DEPOSIT>                           6,320,944
<INTEREST-EXPENSE>                           6,951,569
<INTEREST-INCOME-NET>                        4,407,316
<LOAN-LOSSES>                                   32,605
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,743,293
<INCOME-PRETAX>                                820,093
<INCOME-PRE-EXTRAORDINARY>                     503,393
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<EPS-PRIMARY>                                      .30
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                    7.50
<LOANS-NON>                                          0
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<ALLOWANCE-DOMESTIC>                                 0
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<ALLOWANCE-UNALLOCATED>                        380,000