<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> Mar-31-2000 <PERIOD-END> Jun-30-2000 <CASH> 7,492 <INT-BEARING-DEPOSITS> 7,181 <FED-FUNDS-SOLD> 16,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 60,758 <INVESTMENTS-CARRYING> 33,792 <INVESTMENTS-MARKET> 32,892 <LOANS> 199,988 <ALLOWANCE> 1,104 <TOTAL-ASSETS> 335,993 <DEPOSITS> 280,653 <SHORT-TERM> 85 <LIABILITIES-OTHER> 2,444 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 521 <OTHER-SE> 52,290 <TOTAL-LIABILITIES-AND-EQUITY> 335,993 <INTEREST-LOAN> 3,540 <INTEREST-INVEST> 1,660 <INTEREST-OTHER> 530 <INTEREST-TOTAL> 5,730 <INTEREST-DEPOSIT> 2,883 <INTEREST-EXPENSE> 2,896 <INTEREST-INCOME-NET> 2,834 <LOAN-LOSSES> 50 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,888 <INCOME-PRETAX> 951 <INCOME-PRE-EXTRAORDINARY> 595 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 595 <EPS-BASIC> 0.12 <EPS-DILUTED> 0.12 <YIELD-ACTUAL> 3.53 <LOANS-NON> 806 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,188 <CHARGE-OFFS> 134 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,104 <ALLOWANCE-DOMESTIC> 1,104 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0