<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