<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> MAR-31-1998 <PERIOD-END> DEC-31-1997 <CASH> 6816956 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 57471500 <INVESTMENTS-CARRYING> 9484274 <INVESTMENTS-MARKET> 9562841 <LOANS> 140473379 <ALLOWANCE> 1921942 <TOTAL-ASSETS> 225104655 <DEPOSITS> 176528779 <SHORT-TERM> 21632000 <LIABILITIES-OTHER> 2468770 <LONG-TERM> 6790583 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4002154 <OTHER-SE> 13682369 <TOTAL-LIABILITIES-AND-EQUITY> 225104655 <INTEREST-LOAN> 10008676 <INTEREST-INVEST> 2358330 <INTEREST-OTHER> 54722 <INTEREST-TOTAL> 12421728 <INTEREST-DEPOSIT> 4970118 <INTEREST-EXPENSE> 5893071 <INTEREST-INCOME-NET> 6528657 <LOAN-LOSSES> 630000 <SECURITIES-GAINS> 15423 <EXPENSE-OTHER> 5341729 <INCOME-PRETAX> 2032553 <INCOME-PRE-EXTRAORDINARY> 2032553 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1323948 <EPS-PRIMARY> 3.17 <EPS-DILUTED> 3.16 <YIELD-ACTUAL> 8.46 <LOANS-NON> 3828585 <LOANS-PAST> 0 <LOANS-TROUBLED> 823361 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1767483 <CHARGE-OFFS> 571558 <RECOVERIES> 96017 <ALLOWANCE-CLOSE> 1921942 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1921942