<ARTICLE>                                            9
       
                                            
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              MAR-31-1996
<PERIOD-END>                                   MAR-31-1996
<CASH>                                           8,805
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                             8,267
<LOANS>                                        223,140
<ALLOWANCE>                                      3,031
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<DEPOSITS>                                     386,569
<SHORT-TERM>                                    22,500
<LIABILITIES-OTHER>                              3,591
<LONG-TERM>                                          0
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<COMMON>                                         2,668
<OTHER-SE>                                      52,944
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<INTEREST-LOAN>                                 19,345
<INTEREST-INVEST>                                1,843
<INTEREST-OTHER>                                11,663
<INTEREST-TOTAL>                                32,851
<INTEREST-DEPOSIT>                              16,126
<INTEREST-EXPENSE>                              17,481
<INTEREST-INCOME-NET>                           15,370
<LOAN-LOSSES>                                      250
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,532
<INCOME-PRETAX>                                  8,118
<INCOME-PRE-EXTRAORDINARY>                       8,118
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<NET-INCOME>                                     5,204
<EPS-PRIMARY>                                     2.15
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<YIELD-ACTUAL>                                    7.54
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<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                                 2,890
<CHARGE-OFFS>                                      177
<RECOVERIES>                                        48
<ALLOWANCE-CLOSE>                                3,031
<ALLOWANCE-DOMESTIC>                             3,031
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0