<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> MAR-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 1,144 <INT-BEARING-DEPOSITS> 3,290 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 37,273 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 83,917 <ALLOWANCE> 330 <TOTAL-ASSETS> 143,325 <DEPOSITS> 85,686 <SHORT-TERM> 700 <LIABILITIES-OTHER> 1,581 <LONG-TERM> 42,600 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11 <OTHER-SE> 12,747 <TOTAL-LIABILITIES-AND-EQUITY> 143,325 <INTEREST-LOAN> 3,339 <INTEREST-INVEST> 1,705 <INTEREST-OTHER> 139 <INTEREST-TOTAL> 5,183 <INTEREST-DEPOSIT> 1,976 <INTEREST-EXPENSE> 3,224 <INTEREST-INCOME-NET> 1,959 <LOAN-LOSSES> 32 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,427 <INCOME-PRETAX> 957 <INCOME-PRE-EXTRAORDINARY> 957 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 616 <EPS-BASIC> .88 <EPS-DILUTED> .85 <YIELD-ACTUAL> 7.57 <LOANS-NON> 180 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 497 <ALLOWANCE-OPEN> 304 <CHARGE-OFFS> 6 <RECOVERIES> 32 <ALLOWANCE-CLOSE> 330 <ALLOWANCE-DOMESTIC> 320 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 9