<ARTICLE> 9
<MULTIPLIER>  1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          MAR-31-2000
<PERIOD-END>                               SEP-30-1999
<CASH>                                       5,111
<INT-BEARING-DEPOSITS>                         177
<FED-FUNDS-SOLD>                             5,465
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                 57,316
<INVESTMENTS-CARRYING>                           0
<INVESTMENTS-MARKET>                             0
<LOANS>                                    298,246
<ALLOWANCE>                                  2,950
<TOTAL-ASSETS>                             371,970
<DEPOSITS>                                 256,347
<SHORT-TERM>                                     0
<LIABILITIES-OTHER>                          2,994
<LONG-TERM>                                 74,435
<COMMON>                                     1,967
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<OTHER-SE>                                  36,227
<TOTAL-LIABILITIES-AND-EQUITY>             371,970
<INTEREST-LOAN>                             10,627
<INTEREST-INVEST>                            1,914
<INTEREST-OTHER>                                 0
<INTEREST-TOTAL>                            12,541
<INTEREST-DEPOSIT>                           4,488
<INTEREST-EXPENSE>                           6,135
<INTEREST-INCOME-NET>                        6,406
<LOAN-LOSSES>                                    0
<SECURITIES-GAINS>                             612
<EXPENSE-OTHER>                              4,501
<INCOME-PRETAX>                              2,843
<INCOME-PRE-EXTRAORDINARY>                   1,745
<EXTRAORDINARY>                               (234)
<CHANGES>                                        0
<NET-INCOME>                                 1,511
<EPS-BASIC>                                 0.79
<EPS-DILUTED>                                 0.78
<YIELD-ACTUAL>                                3.14
<LOANS-NON>                                     38
<LOANS-PAST>                                     0
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                             2,913
<CHARGE-OFFS>                                    1
<RECOVERIES>                                    38
<ALLOWANCE-CLOSE>                            2,950
<ALLOWANCE-DOMESTIC>                             0
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0