<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE QUARTER ENDED SEPTEMBER 30, 1996 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          MAR-31-1997
<PERIOD-END>                               SEP-30-1996
<CASH>                                           3,402
<INT-BEARING-DEPOSITS>                             418
<FED-FUNDS-SOLD>                                12,932
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     32,738
<INVESTMENTS-CARRYING>                          32,738
<INVESTMENTS-MARKET>                            32,738
<LOANS>                                         77,403
<ALLOWANCE>                                        832
<TOTAL-ASSETS>                                 136,218
<DEPOSITS>                                      99,390
<SHORT-TERM>                                    10,200
<LIABILITIES-OTHER>                                910
<LONG-TERM>                                        700
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            13
<OTHER-SE>                                      18,785
<TOTAL-LIABILITIES-AND-EQUITY>                 136,218
<INTEREST-LOAN>                                  1,775
<INTEREST-INVEST>                                  428
<INTEREST-OTHER>                                   175
<INTEREST-TOTAL>                                 2,378
<INTEREST-DEPOSIT>                               1,211
<INTEREST-EXPENSE>                               1,274
<INTEREST-INCOME-NET>                            1,104
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,106
<INCOME-PRETAX>                                    (8)
<INCOME-PRE-EXTRAORDINARY>                         (8)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        34
<EPS-PRIMARY>                                      .03
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                     7.3
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   290
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  832
<ALLOWANCE-DOMESTIC>                               225
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            607