<ARTICLE>                                            9
<MULTIPLIER>                                     1,000

                             
<PERIOD-TYPE>                  3-MOS
<FISCAL-YEAR-END>                              MAR-31-2000
<PERIOD-START>                                 MAR-31-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                           11,638
<INT-BEARING-DEPOSITS>                            6,218
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      36,118
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         536,956
<ALLOWANCE>                                       2,980
<TOTAL-ASSETS>                                  607,192
<DEPOSITS>                                      447,268
<SHORT-TERM>                                      4,913
<LIABILITIES-OTHER>                               4,779
<LONG-TERM>                                      93,500
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                             45
<OTHER-SE>                                       56,687
<TOTAL-LIABILITIES-AND-EQUITY>                  607,192
<INTEREST-LOAN>                                  10,255
<INTEREST-INVEST>                                   572
<INTEREST-OTHER>                                    293
<INTEREST-TOTAL>                                 11,120
<INTEREST-DEPOSIT>                                4,965
<INTEREST-EXPENSE>                                6,395
<INTEREST-INCOME-NET>                             4,725
<LOAN-LOSSES>                                       200
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   2,756
<INCOME-PRETAX>                                   2,172
<INCOME-PRE-EXTRAORDINARY>                        1,317
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      1,317
<EPS-BASIC>                                         .37
<EPS-DILUTED>                                       .36
<YIELD-ACTUAL>                                     3.32
<LOANS-NON>                                       2,250
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  2,811
<CHARGE-OFFS>                                        31
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                 2,980
<ALLOWANCE-DOMESTIC>                              2,980
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0