<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT
ON FORM 10-Q FOR THE QUARTER ENDED DECEMBER 31, 1997 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1998
<PERIOD-END>                               DEC-31-1997
<CASH>                                           7,142
<INT-BEARING-DEPOSITS>                           1,026
<FED-FUNDS-SOLD>                                 3,075
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,422
<INVESTMENTS-CARRYING>                           6,000
<INVESTMENTS-MARKET>                             6,001
<LOANS>                                        609,176
<ALLOWANCE>                                      5,179
<TOTAL-ASSETS>                                 677,876
<DEPOSITS>                                     503,637
<SHORT-TERM>                                    65,550
<LIABILITIES-OTHER>                              7,629
<LONG-TERM>                                     37,606
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            77
<OTHER-SE>                                      63,377
<TOTAL-LIABILITIES-AND-EQUITY>                 677,876
<INTEREST-LOAN>                                 39,131
<INTEREST-INVEST>                                2,303
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                41,434
<INTEREST-DEPOSIT>                              16,615
<INTEREST-EXPENSE>                              22,119
<INTEREST-INCOME-NET>                           19,315
<LOAN-LOSSES>                                      226
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  9,904
<INCOME-PRETAX>                                 10,501
<INCOME-PRE-EXTRAORDINARY>                       6,851
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,851
<EPS-PRIMARY>                                      .91
<EPS-DILUTED>                                      .81
<YIELD-ACTUAL>                                    4.02
<LOANS-NON>                                      2,929
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,200
<ALLOWANCE-OPEN>                                 4,968
<CHARGE-OFFS>                                       48
<RECOVERIES>                                        33
<ALLOWANCE-CLOSE>                                5,179
<ALLOWANCE-DOMESTIC>                             4,580
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            599