<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE  FISCAL  QUARTER  ENDED  DECEMBER 31,  1997 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. 
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1998
<PERIOD-END>                               DEC-31-1997
<CASH>                                       5,507,401
<INT-BEARING-DEPOSITS>                         826,877
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                153,996,993
<INVESTMENTS-CARRYING>                      23,711,572
<INVESTMENTS-MARKET>                        23,711,577
<LOANS>                                    217,040,179
<ALLOWANCE>                                  2,098,470
<TOTAL-ASSETS>                             419,819,411
<DEPOSITS>                                 273,183,064
<SHORT-TERM>                                69,950,000
<LIABILITIES-OTHER>                          5,114,736
<LONG-TERM>                                 29,608,345
<PREFERRED-MANDATORY>                           24,590
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  41,945,066
<TOTAL-LIABILITIES-AND-EQUITY>             419,819,411
<INTEREST-LOAN>                             13,081,605
<INTEREST-INVEST>                            9,553,392
<INTEREST-OTHER>                               390,630
<INTEREST-TOTAL>                            23,025,627
<INTEREST-DEPOSIT>                          10,161,106
<INTEREST-EXPENSE>                          14,669,474
<INTEREST-INCOME-NET>                        8,204,103
<LOAN-LOSSES>                                  152,050
<SECURITIES-GAINS>                              40,692
<EXPENSE-OTHER>                              6,460,365
<INCOME-PRETAX>                              3,362,431
<INCOME-PRE-EXTRAORDINARY>                   1,987,934
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,987,934
<EPS-PRIMARY>                                     0.99
<EPS-DILUTED>                                     0.93
<YIELD-ACTUAL>                                    7.70
<LOANS-NON>                                    782,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                             1,941,000
<LOANS-PROBLEM>                                337,329
<ALLOWANCE-OPEN>                             2,126,225
<CHARGE-OFFS>                                  304,821
<RECOVERIES>                                   125,016
<ALLOWANCE-CLOSE>                            2,098,470
<ALLOWANCE-DOMESTIC>                           260,275
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,838,195