<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE FISCAL  QUARTER ENDED JUNE 30, 1998 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1999
<PERIOD-END>                               JUN-30-1998
<CASH>                                       9,157,203
<INT-BEARING-DEPOSITS>                      20,589,817
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                160,538,947
<INVESTMENTS-CARRYING>                      17,398,009
<INVESTMENTS-MARKET>                        17,617,668 
<LOANS>                                    269,627,827
<ALLOWANCE>                                  2,024,259
<TOTAL-ASSETS>                             506,724,583
<DEPOSITS>                                 360,294,804
<SHORT-TERM>                                23,526,678
<LIABILITIES-OTHER>                         17,737,046
<LONG-TERM>                                 61,703,254
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        49,241
<OTHER-SE>                                  43,413,560
<TOTAL-LIABILITIES-AND-EQUITY>             506,724,583
<INTEREST-LOAN>                              4,447,255
<INTEREST-INVEST>                            2,800,103
<INTEREST-OTHER>                               200,760
<INTEREST-TOTAL>                             7,448,118
<INTEREST-DEPOSIT>                           3,421,324
<INTEREST-EXPENSE>                           4,700,746
<INTEREST-INCOME-NET>                        2,747,372
<LOAN-LOSSES>                                   75,000
<SECURITIES-GAINS>                              64,815
<EXPENSE-OTHER>                              2,378,652
<INCOME-PRETAX>                              1,075,529
<INCOME-PRE-EXTRAORDINARY>                     627,348
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   627,348
<EPS-PRIMARY>                                      .15
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                    7.33
<LOANS-NON>                                    810,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              3,290,580
<ALLOWANCE-OPEN>                             1,973,410
<CHARGE-OFFS>                                   38,858
<RECOVERIES>                                    14,706
<ALLOWANCE-CLOSE>                            2,024,259
<ALLOWANCE-DOMESTIC>                            66,367
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,957,892