<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE QUARTER ENDED SEPT. 30, 1997 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          MAR-31-1998
<PERIOD-END>                               SEP-30-1997
<CASH>                                           2,012
<INT-BEARING-DEPOSITS>                             587
<FED-FUNDS-SOLD>                                 1,975
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,855
<INVESTMENTS-CARRYING>                          29,855
<INVESTMENTS-MARKET>                            29,855
<LOANS>                                         88,157
<ALLOWANCE>                                        834
<TOTAL-ASSETS>                                 132,186
<DEPOSITS>                                      99,329
<SHORT-TERM>                                     7,475
<LIABILITIES-OTHER>                              5,115
<LONG-TERM>                                        600
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            13
<OTHER-SE>                                      19,653
<TOTAL-LIABILITIES-AND-EQUITY>                  19,666
<INTEREST-LOAN>                                  3,649
<INTEREST-INVEST>                                1,061
<INTEREST-OTHER>                                    44
<INTEREST-TOTAL>                                 4,754
<INTEREST-DEPOSIT>                               2,081
<INTEREST-EXPENSE>                               2,397
<INTEREST-INCOME-NET>                            2,357
<LOAN-LOSSES>                                      103
<SECURITIES-GAINS>                                  18
<EXPENSE-OTHER>                                  2,064
<INCOME-PRETAX>                                    717
<INCOME-PRE-EXTRAORDINARY>                         717
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       511
<EPS-PRIMARY>                                      .42
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                     7.9
<LOANS-NON>                                        607
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   801
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  834
<ALLOWANCE-DOMESTIC>                               479
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            355