<ARTICLE>                                            9
<MULTIPLIER>                                     1,000
       
                                            
<PERIOD-TYPE>                                     6-MOS
<FISCAL-YEAR-END>                           MAR-31-1999
<PERIOD-END>                                SEP-30-1998
<CASH>                                              885
<INT-BEARING-DEPOSITS>                            9,661
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      50,095
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                          67,557
<ALLOWANCE>                                         279
<TOTAL-ASSETS>                                  132,997
<DEPOSITS>                                       78,767
<SHORT-TERM>                                     39,000
<LIABILITIES-OTHER>                               1,539
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                             11
<OTHER-SE>                                       13,461
<TOTAL-LIABILITIES-AND-EQUITY>                  132,997
<INTEREST-LOAN>                                   2,666
<INTEREST-INVEST>                                 1,692
<INTEREST-OTHER>                                    157
<INTEREST-TOTAL>                                  4,515
<INTEREST-DEPOSIT>                                1,962
<INTEREST-EXPENSE>                                2,967
<INTEREST-INCOME-NET>                             1,548
<LOAN-LOSSES>                                        31
<SECURITIES-GAINS>                                  131
<EXPENSE-OTHER>                                   1,232
<INCOME-PRETAX>                                     670
<INCOME-PRE-EXTRAORDINARY>                          670
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        430
<EPS-PRIMARY>                                       .56
<EPS-DILUTED>                                       .54
<YIELD-ACTUAL>                                     7.01
<LOANS-NON>                                         194
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                     389
<ALLOWANCE-OPEN>                                    248
<CHARGE-OFFS>                                        31
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                   279
<ALLOWANCE-DOMESTIC>                                185
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                              94