<ARTICLE>                                            9
<MULTIPLIER>                                     1,000
       
                                            
<PERIOD-TYPE>                                     9-MOS
<FISCAL-YEAR-END>                           MAR-31-1998
<PERIOD-END>                                DEC-31-1997
<CASH>                                              471
<INT-BEARING-DEPOSITS>                            6,734
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      32,671
<INVESTMENTS-CARRYING>                           11,793
<INVESTMENTS-MARKET>                             11,669
<LOANS>                                          60,221
<ALLOWANCE>                                         233
<TOTAL-ASSETS>                                  115,434
<DEPOSITS>                                       76,642
<SHORT-TERM>                                     24,500
<LIABILITIES-OTHER>                               1,201
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                             11
<OTHER-SE>                                       13,080
<TOTAL-LIABILITIES-AND-EQUITY>                  115,434
<INTEREST-LOAN>                                   3,544
<INTEREST-INVEST>                                 2,225
<INTEREST-OTHER>                                    330
<INTEREST-TOTAL>                                  6,099
<INTEREST-DEPOSIT>                                2,866
<INTEREST-EXPENSE>                                3,840
<INTEREST-INCOME-NET>                             2,259
<LOAN-LOSSES>                                        79
<SECURITIES-GAINS>                                   65
<EXPENSE-OTHER>                                   1,507
<INCOME-PRETAX>                                     993
<INCOME-PRE-EXTRAORDINARY>                          993
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        628
<EPS-PRIMARY>                                       .80
<EPS-DILUTED>                                       .78
<YIELD-ACTUAL>                                     7.69
<LOANS-NON>                                         218
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                     336
<ALLOWANCE-OPEN>                                    158
<CHARGE-OFFS>                                         4
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                   233
<ALLOWANCE-DOMESTIC>                                126
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                             107