<ARTICLE> 9 <PERIOD-TYPE> 6-mos <FISCAL-YEAR-END> Mar-31-2000 <PERIOD-END> Sep-30-2000 <CASH> 11,489 <INT-BEARING-DEPOSITS> 5,581 <FED-FUNDS-SOLD> 17,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 153,732 <INVESTMENTS-CARRYING> 32,008 <INVESTMENTS-MARKET> 31,877 <LOANS> 277,083 <ALLOWANCE> 1,946 <TOTAL-ASSETS> 527,460 <DEPOSITS> 448,223 <SHORT-TERM> 0 <LIABILITIES-OTHER> 4,582 <LONG-TERM> 19,539 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 521 <OTHER-SE> 54,595 <TOTAL-LIABILITIES-AND-EQUITY> 527,460 <INTEREST-LOAN> 8,556 <INTEREST-INVEST> 4,815 <INTEREST-OTHER> 969 <INTEREST-TOTAL> 14,340 <INTEREST-DEPOSIT> 7,333 <INTEREST-EXPENSE> 7,705 <INTEREST-INCOME-NET> 6,635 <LOAN-LOSSES> 108 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,438 <INCOME-PRETAX> 2,210 <INCOME-PRE-EXTRAORDINARY> 1,264 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,264 <EPS-BASIC> 0.26 <EPS-DILUTED> 0.26 <YIELD-ACTUAL> 3.35 <LOANS-NON> 1,281 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,188 <CHARGE-OFFS> 134 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,946 <ALLOWANCE-DOMESTIC> 1,946 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0