<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          MAR-31-1996
<PERIOD-START>                             JUL-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       2,055,000
<INT-BEARING-DEPOSITS>                               0
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<ALLOWANCE>                                  1,866,000
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<INTEREST-DEPOSIT>                           1,359,000
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<LOAN-LOSSES>                                  300,000
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<EPS-PRIMARY>                                      .21
<EPS-DILUTED>                                      .21
<YIELD-ACTUAL>                                    4.34
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