<ARTICLE>                                            9
<MULTIPLIER>                                   1000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              MAR-31-1999
<PERIOD-START>                                 APR-01-1998
<PERIOD-END>                                   MAR-31-1999
<CASH>                                         15,777
<INT-BEARING-DEPOSITS>                         1,458
<FED-FUNDS-SOLD>                               4,270
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    59,834
<INVESTMENTS-CARRYING>                         563
<INVESTMENTS-MARKET>                           569
<LOANS>                                        310,892
<ALLOWANCE>                                    5,012
<TOTAL-ASSETS>                                 411,268
<DEPOSITS>                                     357,804
<SHORT-TERM>                                   2,689
<LIABILITIES-OTHER>                            4,281
<LONG-TERM>                                    6,170
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       2,878
<OTHER-SE>                                     37,446
<TOTAL-LIABILITIES-AND-EQUITY>                 411,268
<INTEREST-LOAN>                                26,198
<INTEREST-INVEST>                              2,444
<INTEREST-OTHER>                               1,926
<INTEREST-TOTAL>                               30,568
<INTEREST-DEPOSIT>                             14,208
<INTEREST-EXPENSE>                             14,843
<INTEREST-INCOME-NET>                          15,725
<LOAN-LOSSES>                                  1,614
<SECURITIES-GAINS>                             288
<EXPENSE-OTHER>                                12,941
<INCOME-PRETAX>                                4,951
<INCOME-PRE-EXTRAORDINARY>                     4,951
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   3,376
<EPS-BASIC>                                  1.20
<EPS-DILUTED>                                  1.13
<YIELD-ACTUAL>                                 4.43
<LOANS-NON>                                    619
<LOANS-PAST>                                   28
<LOANS-TROUBLED>                               613
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               3,852
<CHARGE-OFFS>                                  653
<RECOVERIES>                                   199
<ALLOWANCE-CLOSE>                              5,012
<ALLOWANCE-DOMESTIC>                           5,012
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        5,012