<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> MAR-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 7085697 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 29828475 <INVESTMENTS-CARRYING> 11158680 <INVESTMENTS-MARKET> 11130581 <LOANS> 145318991 <ALLOWANCE> 1888063 <TOTAL-ASSETS> 203474384 <DEPOSITS> 165165444 <SHORT-TERM> 15902000 <LIABILITIES-OTHER> 3564674 <LONG-TERM> 2144000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3962774 <OTHER-SE> 12735492 <TOTAL-LIABILITIES-AND-EQUITY> 203474384 <INTEREST-LOAN> 3309001 <INTEREST-INVEST> 636371 <INTEREST-OTHER> 18543 <INTEREST-TOTAL> 3963915 <INTEREST-DEPOSIT> 1525892 <INTEREST-EXPENSE> 1780757 <INTEREST-INCOME-NET> 2183158 <LOAN-LOSSES> 150000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1792713 <INCOME-PRETAX> 660975 <INCOME-PRE-EXTRAORDINARY> 660975 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 421428 <EPS-PRIMARY> 1.01 <EPS-DILUTED> 1.01 <YIELD-ACTUAL> 8.51 <LOANS-NON> 2107025 <LOANS-PAST> 0 <LOANS-TROUBLED> 828000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1767483 <CHARGE-OFFS> 59683 <RECOVERIES> 30263 <ALLOWANCE-CLOSE> 1888063 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1888063