<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from consolidated
statements of Financial Condition of June 30, 1996 and March 31, 1996;
Consolidated Statements of Income for the three months ended June 30, 1996 and
1995 and is qualified in its entirety by reference to such Form 10-Q, quarter
ended June 30, 1996.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> MAR-31-1996
<PERIOD-START> APR-01-1996
<PERIOD-END> JUN-30-1996
<CASH> 901
<INT-BEARING-DEPOSITS> 10,038
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 199,715
<INVESTMENTS-CARRYING> 165,517
<INVESTMENTS-MARKET> 163,079
<LOANS> 347,983
<ALLOWANCE> 6,283
<TOTAL-ASSETS> 761,014
<DEPOSITS> 424,031
<SHORT-TERM> 65,591
<LIABILITIES-OTHER> 5,113
<LONG-TERM> 215,113
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<COMMON> 41
<OTHER-SE> 51,125
<TOTAL-LIABILITIES-AND-EQUITY> 761,014
<INTEREST-LOAN> 7,695
<INTEREST-INVEST> 6,105
<INTEREST-OTHER> 417
<INTEREST-TOTAL> 14,217
<INTEREST-DEPOSIT> 5,600
<INTEREST-EXPENSE> 4,039
<INTEREST-INCOME-NET> 4,578
<LOAN-LOSSES> 150
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,495
<INCOME-PRETAX> 2,484
<INCOME-PRE-EXTRAORDINARY> 1,639
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,639
<EPS-PRIMARY> .44
<EPS-DILUTED> .44
<YIELD-ACTUAL> 7.53
<LOANS-NON> 3,902
<LOANS-PAST> 551
<LOANS-TROUBLED> 2,406
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 6,133
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 6,283
<ALLOWANCE-DOMESTIC> 6,283
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 4,973