<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> MAR-31-2001 <PERIOD-END> JUN-30-2000 <CASH> 2052 <INT-BEARING-DEPOSITS> 8030 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 120292 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 240810 <ALLOWANCE> 1459 <TOTAL-ASSETS> 390757 <DEPOSITS> 246395 <SHORT-TERM> 64800 <LIABILITIES-OTHER> 3224 <LONG-TERM> 22500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 36 <OTHER-SE> 53802 <TOTAL-LIABILITIES-AND-EQUITY> 390757 <INTEREST-LOAN> 4677 <INTEREST-INVEST> 2159 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 6836 <INTEREST-DEPOSIT> 2410 <INTEREST-EXPENSE> 3634 <INTEREST-INCOME-NET> 3202 <LOAN-LOSSES> 104 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2611 <INCOME-PRETAX> 928 <INCOME-PRE-EXTRAORDINARY> 928 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 612 <EPS-BASIC> 0.18 <EPS-DILUTED> 0.18 <YIELD-ACTUAL> 3.06 <LOANS-NON> 114 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1396 <CHARGE-OFFS> 42 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 1459 <ALLOWANCE-DOMESTIC> 1459 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0