<ARTICLE>                     9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-QSB FOR THE QUARTER  ENDED JUNE 30, 2000 AND IS  QUALIFIED  IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                                                                 
<PERIOD-TYPE>                                                        3-MOS
<FISCAL-YEAR-END>                                                    MAR-31-2001
<PERIOD-END>                                                         JUN-30-2000
<CASH>                                                                     5,055
<INT-BEARING-DEPOSITS>                                                        71
<FED-FUNDS-SOLD>                                                              79
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               25,026
<INVESTMENTS-CARRYING>                                                    25,026
<INVESTMENTS-MARKET>                                                      25,026
<LOANS>                                                                  133,827
<ALLOWANCE>                                                                1,336
<TOTAL-ASSETS>                                                           179,335
<DEPOSITS>                                                               134,089
<SHORT-TERM>                                                              25,315
<LIABILITIES-OTHER>                                                          975
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                      13
<OTHER-SE>                                                                18,943
<TOTAL-LIABILITIES-AND-EQUITY>                                           179,335
<INTEREST-LOAN>                                                            2,851
<INTEREST-INVEST>                                                            456
<INTEREST-OTHER>                                                               3
<INTEREST-TOTAL>                                                           3,310
<INTEREST-DEPOSIT>                                                         1,337
<INTEREST-EXPENSE>                                                         1,700
<INTEREST-INCOME-NET>                                                      1,661
<LOAN-LOSSES>                                                                 68
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            1,425
<INCOME-PRETAX>                                                              372
<INCOME-PRE-EXTRAORDINARY>                                                   283
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 283
<EPS-BASIC>                                                                .26
<EPS-DILUTED>                                                                .26
<YIELD-ACTUAL>                                                               8.4
<LOANS-NON>                                                                  570
<LOANS-PAST>                                                               1,237
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                           1,289
<CHARGE-OFFS>                                                                 46
<RECOVERIES>                                                                  25
<ALLOWANCE-CLOSE>                                                          1,336
<ALLOWANCE-DOMESTIC>                                                       1,336
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      477