<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION
EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q FOR
THE QUARTER ENDED JUNE 30, 1998 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       

                                     
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1999
<PERIOD-END>                               JUN-30-1998
<CASH>                                          11,965
<INT-BEARING-DEPOSITS>                               3
<FED-FUNDS-SOLD>                                 7,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,606
<INVESTMENTS-CARRYING>                           4,998
<INVESTMENTS-MARKET>                             4,999
<LOANS>                                        630,422
<ALLOWANCE>                                      5,287
<TOTAL-ASSETS>                                 696,462
<DEPOSITS>                                     511,183
<SHORT-TERM>                                    26,050
<LIABILITIES-OTHER>                              7,141
<LONG-TERM>                                     83,145
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            79
<OTHER-SE>                                      68,864
<TOTAL-LIABILITIES-AND-EQUITY>                 696,462
<INTEREST-LOAN>                                 13,839
<INTEREST-INVEST>                                  605
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                14,444
<INTEREST-DEPOSIT>                               5,893
<INTEREST-EXPENSE>                               7,475
<INTEREST-INCOME-NET>                            6,969
<LOAN-LOSSES>                                       84
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,375
<INCOME-PRETAX>                                  4,061
<INCOME-PRE-EXTRAORDINARY>                       2,652
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,652
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                    4.17
<LOANS-NON>                                      4,320
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,450
<ALLOWANCE-OPEN>                                 5,189
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        14
<ALLOWANCE-CLOSE>                                5,287
<ALLOWANCE-DOMESTIC>                             5,009
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            278