<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> MAR-31-2001 <PERIOD-END> SEP-30-2000 <CASH> 286 <INT-BEARING-DEPOSITS> 408 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4,325 <INVESTMENTS-CARRYING> 204 <INVESTMENTS-MARKET> 205 <LOANS> 26,035 <ALLOWANCE> 175 <TOTAL-ASSETS> 33,227 <DEPOSITS> 20,434 <SHORT-TERM> 700 <LIABILITIES-OTHER> 449 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 66 <OTHER-SE> 9,578 <TOTAL-LIABILITIES-AND-EQUITY> 33,227 <INTEREST-LOAN> 1,018 <INTEREST-INVEST> 124 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 1,142 <INTEREST-DEPOSIT> 455 <INTEREST-EXPENSE> 493 <INTEREST-INCOME-NET> 649 <LOAN-LOSSES> 1 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 517 <INCOME-PRETAX> 155 <INCOME-PRE-EXTRAORDINARY> 110 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 110 <EPS-BASIC> .22 <EPS-DILUTED> .22 <YIELD-ACTUAL> 4.26 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 174 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 175 <ALLOWANCE-DOMESTIC> 175 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0