<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