<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE QUARTER ENDED DECEMBER 31, 1997 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1998
<PERIOD-END>                               DEC-31-1997
<CASH>                                           2,994
<INT-BEARING-DEPOSITS>                             398
<FED-FUNDS-SOLD>                                    25
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,856
<INVESTMENTS-CARRYING>                          29,856
<INVESTMENTS-MARKET>                            29,856
<LOANS>                                         87,901
<ALLOWANCE>                                        827
<TOTAL-ASSETS>                                 132,793
<DEPOSITS>                                      99,719
<SHORT-TERM>                                    10,993
<LIABILITIES-OTHER>                              1,508
<LONG-TERM>                                        575
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            13
<OTHER-SE>                                      19,982
<TOTAL-LIABILITIES-AND-EQUITY>                  13,793
<INTEREST-LOAN>                                  5,541
<INTEREST-INVEST>                                1,545
<INTEREST-OTHER>                                    58
<INTEREST-TOTAL>                                 7,145
<INTEREST-DEPOSIT>                               3,140
<INTEREST-EXPENSE>                               3,614
<INTEREST-INCOME-NET>                            3,531
<LOAN-LOSSES>                                      128
<SECURITIES-GAINS>                                  28
<EXPENSE-OTHER>                                  2,975
<INCOME-PRETAX>                                  1,112
<INCOME-PRE-EXTRAORDINARY>                       1,112
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       792
<EPS-PRIMARY>                                      .65
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                      79
<LOANS-NON>                                        556
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   801
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  827
<ALLOWANCE-DOMESTIC>                               827
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            313