<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              MAR-31-1996
<PERIOD-START>                                 SEP-01-1996
<PERIOD-END>                                   DEC-31-1996
<CASH>                                           6,314,000
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
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<INVESTMENTS-CARRYING>                          17,930,000
<INVESTMENTS-MARKET>                            18,016,000
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<ALLOWANCE>                                      2,309,000
<TOTAL-ASSETS>                                 226,553,000
<DEPOSITS>                                     150,803,000
<SHORT-TERM>                                    51,580,000
<LIABILITIES-OTHER>                                694,000
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<PREFERRED-MANDATORY>                                    0
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<COMMON>                                         5,816,000
<OTHER-SE>                                      14,192,000
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<INTEREST-LOAN>                                  3,771,000
<INTEREST-INVEST>                                  320,000
<INTEREST-OTHER>                                    12,000
<INTEREST-TOTAL>                                 4,103,000
<INTEREST-DEPOSIT>                               1,474,000
<INTEREST-EXPENSE>                               2,044,000
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<LOAN-LOSSES>                                      450,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  1,135,000
<INCOME-PRETAX>                                    919,000
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<EXTRAORDINARY>                                          0
<CHANGES>                                                0
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<EPS-PRIMARY>                                          .49
<EPS-DILUTED>                                          .49
<YIELD-ACTUAL>                                        4.27
<LOANS-NON>                                        466,000
<LOANS-PAST>                                         1,000
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<CHARGE-OFFS>                                        9,000
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<ALLOWANCE-FOREIGN>                                      0
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