<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              MAR-31-2000
<PERIOD-END>                                   DEC-31-1999
<CASH>                                          11,387,622
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<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                    111,903,530
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<INVESTMENTS-MARKET>                             5,879,701
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<ALLOWANCE>                                      2,323,245
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<SHORT-TERM>                                    46,027,402
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<INTEREST-TOTAL>                                25,308,733
<INTEREST-DEPOSIT>                              11,254,845
<INTEREST-EXPENSE>                              15,347,317
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<CHANGES>                                                0
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<EPS-BASIC>                                           0.37
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<YIELD-ACTUAL>                                        7.34
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