<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1999
<PERIOD-END>                               DEC-31-1998
<CASH>                                      14,680,050
<INT-BEARING-DEPOSITS>                       3,000,230
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                       5,909,080
<INVESTMENTS-MARKET>                         5,718,342
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<DEPOSITS>                                 346,449,247
<SHORT-TERM>                                 9,645,536
<LIABILITIES-OTHER>                         12,064,186
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<PREFERRED-MANDATORY>                                0
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<TOTAL-LIABILITIES-AND-EQUITY>             497,974,689
<INTEREST-LOAN>                             15,978,942
<INTEREST-INVEST>                            7,831,064
<INTEREST-OTHER>                               714,509
<INTEREST-TOTAL>                            24,524,515
<INTEREST-DEPOSIT>                          11,214,919
<INTEREST-EXPENSE>                          15,053,752
<INTEREST-INCOME-NET>                        9,470,762
<LOAN-LOSSES>                                  225,000
<SECURITIES-GAINS>                             206,018
<EXPENSE-OTHER>                              8,400,447
<INCOME-PRETAX>                              3,581,698
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<EPS-PRIMARY>                                     0.54
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<YIELD-ACTUAL>                                    7.35
<LOANS-NON>                                    786,000
<LOANS-PAST>                                         0
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<ALLOWANCE-FOREIGN>                                  0
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