<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE  FISCAL  QUARTER  ENDED  SEPTEMBER  30,  1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          MAR-31-1999
<PERIOD-END>                               SEP-30-1998
<CASH>                                       6,686,087
<INT-BEARING-DEPOSITS>                      11,868,825
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                143,123,829
<INVESTMENTS-CARRYING>                      16,113,992
<INVESTMENTS-MARKET>                        16,324,314
<LOANS>                                    287,316,068
<ALLOWANCE>                                  2,045,942
<TOTAL-ASSETS>                             502,829,059
<DEPOSITS>                                 351,254,152
<SHORT-TERM>                                14,645,536
<LIABILITIES-OTHER>                         10,415,499
<LONG-TERM>                                 81,367,588
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        49,212
<OTHER-SE>                                  40,758,165
<TOTAL-LIABILITIES-AND-EQUITY>             502,829,059
<INTEREST-LOAN>                             10,146,753
<INTEREST-INVEST>                            5,539,226
<INTEREST-OTHER>                               361,858
<INTEREST-TOTAL>                            16,047,837
<INTEREST-DEPOSIT>                           7,402,132
<INTEREST-EXPENSE>                           9,930,784
<INTEREST-INCOME-NET>                        6,117,053
<LOAN-LOSSES>                                  150,000
<SECURITIES-GAINS>                             152,961
<EXPENSE-OTHER>                              5,444,936
<INCOME-PRETAX>                              2,176,927
<INCOME-PRE-EXTRAORDINARY>                   1,313,207
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,313,207
<EPS-PRIMARY>                                      .32
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                    7.38
<LOANS-NON>                                      1,025
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              3,840,000
<ALLOWANCE-OPEN>                             1,973,410
<CHARGE-OFFS>                                   63,858
<RECOVERIES>                                    49,796
<ALLOWANCE-CLOSE>                            2,045,942
<ALLOWANCE-DOMESTIC>                           177,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,868,942