<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> MAR-31-2000 <PERIOD-START> APR-01-1999 <PERIOD-END> MAR-31-2000 <CASH> 6,588 <INT-BEARING-DEPOSITS> 177 <FED-FUNDS-SOLD> 14,625 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 55,443 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 320,013 <ALLOWANCE> 2,993 <TOTAL-ASSETS> 409,557 <DEPOSITS> 258,339 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,821 <LONG-TERM> 111,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,970 <OTHER-SE> 35,427 <TOTAL-LIABILITIES-AND-EQUITY> 409,557 <INTEREST-LOAN> 22,405 <INTEREST-INVEST> 4,019 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 26,424 <INTEREST-DEPOSIT> 8,553 <INTEREST-EXPENSE> 13,049 <INTEREST-INCOME-NET> 13,375 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 1,013 <EXPENSE-OTHER> 9,345 <INCOME-PRETAX> 5,699 <INCOME-PRE-EXTRAORDINARY> 3,567 <EXTRAORDINARY> 0 <CHANGES> (234) <NET-INCOME> 3,333 <EPS-BASIC> 1.77 <EPS-DILUTED> 1.77 <YIELD-ACTUAL> 3.64 <LOANS-NON> 235 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,913 <CHARGE-OFFS> 9 <RECOVERIES> 89 <ALLOWANCE-CLOSE> 2,993 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0