<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1999
<PERIOD-END>                               DEC-31-1998
<CASH>                                       2,570,435
<INT-BEARING-DEPOSITS>                          50,805
<FED-FUNDS-SOLD>                             2,013,804
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 56,653,988
<INVESTMENTS-CARRYING>                       4,361,915
<INVESTMENTS-MARKET>                         4,469,072
<LOANS>                                    155,134,780
<ALLOWANCE>                                    540,337
<TOTAL-ASSETS>                             227,561,912
<DEPOSITS>                                 177,205,035
<SHORT-TERM>                                18,810,000
<LIABILITIES-OTHER>                          2,515,138
<LONG-TERM>                                          0
<COMMON>                                        17,968
<PREFERRED-MANDATORY>                                0
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<OTHER-SE>                                  29,013,771
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<INTEREST-LOAN>                              8,956,611
<INTEREST-INVEST>                            3,696,361
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<INTEREST-TOTAL>                            12,896,661
<INTEREST-DEPOSIT>                           6,825,709
<INTEREST-EXPENSE>                           7,802,083
<INTEREST-INCOME-NET>                        5,094,578
<LOAN-LOSSES>                                   60,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,166,753
<INCOME-PRETAX>                              2,358,235
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<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                      .80
<EPS-DILUTED>                                      .77
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<LOANS-NON>                                          0
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<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                               490,000
<CHARGE-OFFS>                                        0
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<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        540,337