<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> Year <FISCAL-YEAR-END> Mar-31-2000 <PERIOD-END> Mar-31-2000 <CASH> 468 <INT-BEARING-DEPOSITS> 50 <FED-FUNDS-SOLD> 50 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,283 <INVESTMENTS-CARRYING> 24 <INVESTMENTS-MARKET> 23 <LOANS> 21,871 <ALLOWANCE> (227) <TOTAL-ASSETS> 25,436 <DEPOSITS> 21,923 <SHORT-TERM> 0 <LIABILITIES-OTHER> 203 <LONG-TERM> 1,367 <PREFERRED-MANDATORY> 16 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 1,929 <TOTAL-LIABILITIES-AND-EQUITY> 25,436 <INTEREST-LOAN> 1,823 <INTEREST-INVEST> 157 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 1,980 <INTEREST-DEPOSIT> (1,047) <INTEREST-EXPENSE> (1,157) <INTEREST-INCOME-NET> 823 <LOAN-LOSSES> (49) <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 822 <INCOME-PRETAX> 42 <INCOME-PRE-EXTRAORDINARY> 42 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 34 <EPS-BASIC> .24 <EPS-DILUTED> .22 <YIELD-ACTUAL> 3.59 <LOANS-NON> 99 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 149 <ALLOWANCE-OPEN> 191 <CHARGE-OFFS> (13) <RECOVERIES> 1 <ALLOWANCE-CLOSE> 227 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 227