<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1998
<PERIOD-END>                               DEC-31-1997
<CASH>                                       1,693,952
<INT-BEARING-DEPOSITS>                     390,320,016
<FED-FUNDS-SOLD>                             3,050,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 28,915,398
<INVESTMENTS-CARRYING>                      96,518,638
<INVESTMENTS-MARKET>                        93,812,000
<LOANS>                                    244,940,083
<ALLOWANCE>                                  2,862,455
<TOTAL-ASSETS>                             415,767,393
<DEPOSITS>                                 269,106,203
<SHORT-TERM>                               108,020,000
<LIABILITIES-OTHER>                          1,784,648
<LONG-TERM>                                  1,601,987
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,144
<OTHER-SE>                                  35,231,413
<TOTAL-LIABILITIES-AND-EQUITY>             415,767,393
<INTEREST-LOAN>                              4,588,062
<INTEREST-INVEST>                            2,312,057
<INTEREST-OTHER>                                30,788
<INTEREST-TOTAL>                             6,930,907
<INTEREST-DEPOSIT>                           2,162,459
<INTEREST-EXPENSE>                           1,531,824
<INTEREST-INCOME-NET>                        3,236,624
<LOAN-LOSSES>                                  279,920
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,938,339
<INCOME-PRETAX>                                568,729
<INCOME-PRE-EXTRAORDINARY>                     568,729
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   300,680
<EPS-PRIMARY>                                     0.14
<EPS-DILUTED>                                     0.14
<YIELD-ACTUAL>                                    7.10
<LOANS-NON>                                  4,276,407
<LOANS-PAST>                                 2,602,883
<LOANS-TROUBLED>                               412,500
<LOANS-PROBLEM>                                412,500
<ALLOWANCE-OPEN>                             2,423,102
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            2,862,455
<ALLOWANCE-DOMESTIC>                         2,862,455
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0