<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS FOR CITIZENS FIRST SAVINGS BANK AT AND FOR THE FIVE MONTHS
ENDED AUGUST 31, 2000 AND FOR THE YEAR ENDED MARCH 31, 2000 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE AT AND TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                                                     
<PERIOD-TYPE>                   5-MOS                      YEAR
<FISCAL-YEAR-END>                          MAR-31-2001                MAR-31-2000
<PERIOD-START>                             APR-01-2000                APR-01-1999
<PERIOD-END>                               AUG-31-2000                MAR-31-2000
<CASH>                                           8,888                      5,194
<INT-BEARING-DEPOSITS>                          35,766                     34,788
<FED-FUNDS-SOLD>                                     0                      5,200
<TRADING-ASSETS>                                     0                          0
<INVESTMENTS-HELD-FOR-SALE>                     85,661                     94,288
<INVESTMENTS-CARRYING>                               0                          0
<INVESTMENTS-MARKET>                                 0                          0
<LOANS>                                        643,300                    580,357
<ALLOWANCE>                                     10,633                     10,461
<TOTAL-ASSETS>                                 794,428                    741,570
<DEPOSITS>                                     637,023                    601,008
<SHORT-TERM>                                         0                          0
<LIABILITIES-OTHER>                             90,442                     77,303
<LONG-TERM>                                          0                          0
<PREFERRED-MANDATORY>                                0                          0
<PREFERRED>                                          0                          0
<COMMON>                                             0                          0
<OTHER-SE>                                      66,963                     63,259
<TOTAL-LIABILITIES-AND-EQUITY>                 794,428                    741,570
<INTEREST-LOAN>                                 20,688                     48,839
<INTEREST-INVEST>                                2,719                      1,832
<INTEREST-OTHER>                                   503                      1,257
<INTEREST-TOTAL>                                23,880                     51,928
<INTEREST-DEPOSIT>                              11,508                     22,745
<INTEREST-EXPENSE>                              13,493                     27,063
<INTEREST-INCOME-NET>                           10,387                     24,865
<LOAN-LOSSES>                                      106                      (483)
<SECURITIES-GAINS>                                  16                          0
<EXPENSE-OTHER>                                  6,676                     16,248
<INCOME-PRETAX>                                  5,002                      8,786
<INCOME-PRE-EXTRAORDINARY>                       3,367                      8,786
<EXTRAORDINARY>                                      0                          0
<CHANGES>                                            0                          0
<NET-INCOME>                                     3,367                      5,906
<EPS-BASIC>                                          0                          0
<EPS-DILUTED>                                        0                          0
<YIELD-ACTUAL>                                    3.26                       3.53
<LOANS-NON>                                      2,100                      1,246
<LOANS-PAST>                                         0                          0
<LOANS-TROUBLED>                                     0                          0
<LOANS-PROBLEM>                                      0                          0
<ALLOWANCE-OPEN>                                10,461                     11,161
<CHARGE-OFFS>                                        0                        235
<RECOVERIES>                                        66                         18
<ALLOWANCE-CLOSE>                               10,633                     10,461
<ALLOWANCE-DOMESTIC>                             7,419                      7,429
<ALLOWANCE-FOREIGN>                                  0                          0
<ALLOWANCE-UNALLOCATED>                          3,214                      3,032