<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM 10Q AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          MAR-31-1998             MAR-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               MAR-31-1998             MAR-31-1997
<CASH>                                          18,178                  13,546
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                25,100                   4,600
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     34,982                  30,784
<INVESTMENTS-CARRYING>                          24,080                  37,131
<INVESTMENTS-MARKET>                            24,437                  37,097
<LOANS>                                        221,375                 199,170
<ALLOWANCE>                                      4,073                   5,041
<TOTAL-ASSETS>                                 328,762                 289,704
<DEPOSITS>                                     285,123                 252,859
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              3,823                   2,404
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        35,115                  31,222
<OTHER-SE>                                       4,701                   3,219
<TOTAL-LIABILITIES-AND-EQUITY>                 328,762                 289,704
<INTEREST-LOAN>                                  5,627                   4,707
<INTEREST-INVEST>                                1,206                   1,212
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                 6,833                   5,919
<INTEREST-DEPOSIT>                               2,015                   1,634
<INTEREST-EXPENSE>                               2,015                   1,635
<INTEREST-INCOME-NET>                            4,818                   4,284
<LOAN-LOSSES>                                       38                      25
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  3,047                   2,846
<INCOME-PRETAX>                                  1,970                   1,630
<INCOME-PRE-EXTRAORDINARY>                       1,970                   1,630
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,175                   1,050
<EPS-PRIMARY>                                     0.25                    0.23
<EPS-DILUTED>                                     0.24                    0.22
<YIELD-ACTUAL>                                    .065                    .066
<LOANS-NON>                                      3,238                   2,945
<LOANS-PAST>                                       182                     341
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,351                   4,969
<CHARGE-OFFS>                                      379                      19
<RECOVERIES>                                        63                      66
<ALLOWANCE-CLOSE>                                4,073                   5,041
<ALLOWANCE-DOMESTIC>                             4,073                   5,041
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,479                   1,258