<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> MAR-31-2001 <PERIOD-END> SEP-30-2000 <CASH> 7336942 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 83771505 <INVESTMENTS-CARRYING> 2607031 <INVESTMENTS-MARKET> 2564484 <LOANS> 217789868 <ALLOWANCE> 2307377 <TOTAL-ASSETS> 324440868 <DEPOSITS> 233403133 <SHORT-TERM> 50970346 <LIABILITIES-OTHER> 3792610 <LONG-TERM> 15162000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4002154 <OTHER-SE> 17110625 <TOTAL-LIABILITIES-AND-EQUITY> 324440868 <INTEREST-LOAN> 8685245 <INTEREST-INVEST> 2881407 <INTEREST-OTHER> 36760 <INTEREST-TOTAL> 11603412 <INTEREST-DEPOSIT> 4662512 <INTEREST-EXPENSE> 6566398 <INTEREST-INCOME-NET> 5037014 <LOAN-LOSSES> 325000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4269219 <INCOME-PRETAX> 1631391 <INCOME-PRE-EXTRAORDINARY> 1027919 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1027919 <EPS-BASIC> 1.23 <EPS-DILUTED> 1.21 <YIELD-ACTUAL> 3.37 <LOANS-NON> 233000 <LOANS-PAST> 0 <LOANS-TROUBLED> 964000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2120767 <CHARGE-OFFS> 159659 <RECOVERIES> 21269 <ALLOWANCE-CLOSE> 2307377 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2307377