<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-K FOR THE YEAR ENDED MARCH 31, 1997 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          MAR-31-1997
<PERIOD-START>                             APR-01-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                           4,685
<INT-BEARING-DEPOSITS>                           1,826
<FED-FUNDS-SOLD>                                 2,153
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     24,576
<INVESTMENTS-CARRYING>                           7,000
<INVESTMENTS-MARKET>                             6,986
<LOANS>                                        567,975
<ALLOWANCE>                                      4,968
<TOTAL-ASSETS>                                 634,761
<DEPOSITS>                                     445,182
<SHORT-TERM>                                    80,541
<LIABILITIES-OTHER>                              6,444
<LONG-TERM>                                     34,680
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                      59,385
<TOTAL-LIABILITIES-AND-EQUITY>                 634,761
<INTEREST-LOAN>                                 46,165
<INTEREST-INVEST>                                2,789
<INTEREST-OTHER>                                   224
<INTEREST-TOTAL>                                49,178
<INTEREST-DEPOSIT>                              19,191
<INTEREST-EXPENSE>                              25,563
<INTEREST-INCOME-NET>                           23,615
<LOAN-LOSSES>                                      323
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 15,209
<INCOME-PRETAX>                                  9,781
<INCOME-PRE-EXTRAORDINARY>                       6,410
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,410
<EPS-PRIMARY>                                     1.27
<EPS-DILUTED>                                     1.17
<YIELD-ACTUAL>                                    4.12
<LOANS-NON>                                      1,643
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,400
<ALLOWANCE-OPEN>                                 4,572
<CHARGE-OFFS>                                       33
<RECOVERIES>                                       106
<ALLOWANCE-CLOSE>                                4,968
<ALLOWANCE-DOMESTIC>                             4,097
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            871