<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                       6,143,567
<INT-BEARING-DEPOSITS>                         146,040
<FED-FUNDS-SOLD>                                     0 
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<INTEREST-DEPOSIT>                           6,617,685
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