<ARTICLE> 9
<LEGEND>
The Schedule contains summary information extracted from the annual report on
Form 10-KSB for the year ended March 31, 1997 and is qualified in its entirety
by reference to such financial statements
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          MAR-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           3,107
<INT-BEARING-DEPOSITS>                             695
<FED-FUNDS-SOLD>                                 5,325
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,259
<INVESTMENTS-CARRYING>                          31,259
<INVESTMENTS-MARKET>                            31,259
<LOANS>                                         81,728
<ALLOWANCE>                                        801
<TOTAL-ASSETS>                                 131,554
<DEPOSITS>                                     100,519
<SHORT-TERM>                                    10,134
<LIABILITIES-OTHER>                                596
<LONG-TERM>                                        650
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            13
<OTHER-SE>                                      19,357
<TOTAL-LIABILITIES-AND-EQUITY>                 131,554
<INTEREST-LOAN>                                  5,224
<INTEREST-INVEST>                                1,755
<INTEREST-OTHER>                                   171
<INTEREST-TOTAL>                                 7,150
<INTEREST-DEPOSIT>                               3,218
<INTEREST-EXPENSE>                               3,603
<INTEREST-INCOME-NET>                            3,547
<LOAN-LOSSES>                                      105
<SECURITIES-GAINS>                                  32
<EXPENSE-OTHER>                                  2,818
<INCOME-PRETAX>                                    843
<INCOME-PRE-EXTRAORDINARY>                         843
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       623
<EPS-PRIMARY>                                      .50
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                     7.7
<LOANS-NON>                                        716
<LOANS-PAST>                                     1,651
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   286
<CHARGE-OFFS>                                      153
<RECOVERIES>                                        37
<ALLOWANCE-CLOSE>                                  801
<ALLOWANCE-DOMESTIC>                               194
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            607