<ARTICLE>                                         9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                     1000

                               
<PERIOD-TYPE>                                   6-MOS
<FISCAL-YEAR-END>                         MAR-31-2001
<PERIOD-END>                              SEP-30-2000
<CASH>                                            519
<INT-BEARING-DEPOSITS>                            426
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                         0
<INVESTMENTS-CARRYING>                         85,609
<INVESTMENTS-MARKET>                           83,419
<LOANS>                                        54,929
<ALLOWANCE>                                       425
<TOTAL-ASSETS>                                150,470
<DEPOSITS>                                     73,021
<SHORT-TERM>                                    4,500
<LIABILITIES-OTHER>                             3,136
<LONG-TERM>                                    45,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          345
<OTHER-SE>                                     24,468
<TOTAL-LIABILITIES-AND-EQUITY>                150,470
<INTEREST-LOAN>                                 2,046
<INTEREST-INVEST>                               2,940
<INTEREST-OTHER>                                  131
<INTEREST-TOTAL>                                5,117
<INTEREST-DEPOSIT>                              1,647
<INTEREST-EXPENSE>                              2,991
<INTEREST-INCOME-NET>                           2,126
<LOAN-LOSSES>                                       0
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 1,183
<INCOME-PRETAX>                                   987
<INCOME-PRE-EXTRAORDINARY>                        987
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      987
<EPS-BASIC>                                       .19
<EPS-DILUTED>                                     .19
<YIELD-ACTUAL>                                   2.95
<LOANS-NON>                                         0
<LOANS-PAST>                                       11
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  425
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 425
<ALLOWANCE-DOMESTIC>                              425
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0