<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> MAR-31-2001 <PERIOD-END> JUN-30-2000 <CASH> 11284932 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 86227968 <INVESTMENTS-CARRYING> 2655616 <INVESTMENTS-MARKET> 2585091 <LOANS> 203093947 <ALLOWANCE> 2190 <TOTAL-ASSETS> 316540507 <DEPOSITS> 229955708 <SHORT-TERM> 52664517 <LIABILITIES-OTHER> 3586102 <LONG-TERM> 10162000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4002154 <OTHER-SE> 16170026 <TOTAL-LIABILITIES-AND-EQUITY> 316540507 <INTEREST-LOAN> 4160332 <INTEREST-INVEST> 1454219 <INTEREST-OTHER> 17302 <INTEREST-TOTAL> 5631853 <INTEREST-DEPOSIT> 2254800 <INTEREST-EXPENSE> 3131713 <INTEREST-INCOME-NET> 2500140 <LOAN-LOSSES> 175000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2104444 <INCOME-PRETAX> 809456 <INCOME-PRE-EXTRAORDINARY> 509006 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 509006 <EPS-BASIC> 0.61 <EPS-DILUTED> 0.60 <YIELD-ACTUAL> 3.41 <LOANS-NON> 580000 <LOANS-PAST> 0 <LOANS-TROUBLED> 493000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2120767 <CHARGE-OFFS> 110332 <RECOVERIES> 5478 <ALLOWANCE-CLOSE> 2190913 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2190913