<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> MAR-31-1999 <PERIOD-END> DEC-31-1998 <CASH> 4,247 <INT-BEARING-DEPOSITS> 177 <FED-FUNDS-SOLD> 24,934 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 33,396 <INVESTMENTS-CARRYING> 57,931 <INVESTMENTS-MARKET> 58,330 <LOANS> 285,292 <ALLOWANCE> 2,946 <TOTAL-ASSETS> 371,324 <DEPOSITS> 272,416 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,756 <LONG-TERM> 57,000 <COMMON> 1,967 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 36,185 <TOTAL-LIABILITIES-AND-EQUITY> 38,152 <INTEREST-LOAN> 16,458 <INTEREST-INVEST> 3,373 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 19,831 <INTEREST-DEPOSIT> 8,352 <INTEREST-EXPENSE> 10,870 <INTEREST-INCOME-NET> 8,961 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 361 <EXPENSE-OTHER> 6,652 <INCOME-PRETAX> 3,186 <INCOME-PRE-EXTRAORDINARY> 3,186 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,906 <EPS-PRIMARY> 0.98 <EPS-DILUTED> 0.98 <YIELD-ACTUAL> 2.95 <LOANS-NON> 110 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,291 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,886 <CHARGE-OFFS> 10 <RECOVERIES> 70 <ALLOWANCE-CLOSE> 2,946 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0