<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE QUARTER ENDED JUNE 30, 1996 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1997
<PERIOD-END>                               JUN-30-1996
<CASH>                                           1,335
<INT-BEARING-DEPOSITS>                           4,551
<FED-FUNDS-SOLD>                                   505
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     13,004
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         47,121
<ALLOWANCE>                                        290
<TOTAL-ASSETS>                                  68,754
<DEPOSITS>                                      46,419
<SHORT-TERM>                                     2,500
<LIABILITIES-OTHER>                                330
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            13
<OTHER-SE>                                      19,492
<TOTAL-LIABILITIES-AND-EQUITY>                  68,754
<INTEREST-LOAN>                                    849
<INTEREST-INVEST>                                  310
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 1,159
<INTEREST-DEPOSIT>                                 613
<INTEREST-EXPENSE>                                 621
<INTEREST-INCOME-NET>                              538
<LOAN-LOSSES>                                       15
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    320
<INCOME-PRETAX>                                    215
<INCOME-PRE-EXTRAORDINARY>                         215
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       161
<EPS-PRIMARY>                                      .13
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                     7.2
<LOANS-NON>                                        431
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   286
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  290
<ALLOWANCE-DOMESTIC>                                43
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            247