<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          MAR-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                       4,274,700
<INT-BEARING-DEPOSITS>                       1,808,159
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                168,270,907
<INVESTMENTS-CARRYING>                      18,861,416
<INVESTMENTS-MARKET>                        19,119,093
<LOANS>                                    227,322,668
<ALLOWANCE>                                  1,973,410
<TOTAL-ASSETS>                             439,114,500
<DEPOSITS>                                 282,942,123
<SHORT-TERM>                                35,244,333
<LIABILITIES-OTHER>                         14,136,440
<LONG-TERM>                                 64,108,345
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        49,241
<OTHER-SE>                                  42,634,018
<TOTAL-LIABILITIES-AND-EQUITY>             439,114,500
<INTEREST-LOAN>                             17,509,318
<INTEREST-INVEST>                           12,472,811
<INTEREST-OTHER>                               539,277
<INTEREST-TOTAL>                            30,521,406
<INTEREST-DEPOSIT>                          13,431,142
<INTEREST-EXPENSE>                          19,342,511
<INTEREST-INCOME-NET>                       11,178,895
<LOAN-LOSSES>                                  177,050
<SECURITIES-GAINS>                              42,643
<EXPENSE-OTHER>                              8,631,327
<INCOME-PRETAX>                              4,462,511
<INCOME-PRE-EXTRAORDINARY>                   2,645,167
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,645,167
<EPS-PRIMARY>                                      .65
<EPS-DILUTED>                                      .62
<YIELD-ACTUAL>                                    7.49
<LOANS-NON>                                    911,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              3,200,000
<ALLOWANCE-OPEN>                             2,126,225
<CHARGE-OFFS>                                  403,896
<RECOVERIES>                                    74,031
<ALLOWANCE-CLOSE>                            1,973,410
<ALLOWANCE-DOMESTIC>                            50,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,923,410