<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          MAR-31-2000
<PERIOD-START>                             APR-01-1999
<PERIOD-END>                               MAR-31-2000
<CASH>                                           6,588
<INT-BEARING-DEPOSITS>                             177
<FED-FUNDS-SOLD>                                14,625
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     55,443
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        320,013
<ALLOWANCE>                                      2,993
<TOTAL-ASSETS>                                 409,557
<DEPOSITS>                                     258,339
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,821
<LONG-TERM>                                    111,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,970
<OTHER-SE>                                      35,427
<TOTAL-LIABILITIES-AND-EQUITY>                 409,557
<INTEREST-LOAN>                                 22,405
<INTEREST-INVEST>                                4,019
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                26,424
<INTEREST-DEPOSIT>                               8,553
<INTEREST-EXPENSE>                              13,049
<INTEREST-INCOME-NET>                           13,375
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                               1,013
<EXPENSE-OTHER>                                  9,345
<INCOME-PRETAX>                                  5,699
<INCOME-PRE-EXTRAORDINARY>                       3,567
<EXTRAORDINARY>                                      0
<CHANGES>                                        (234)
<NET-INCOME>                                     3,333
<EPS-BASIC>                                       1.77
<EPS-DILUTED>                                     1.77
<YIELD-ACTUAL>                                    3.64
<LOANS-NON>                                        235
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,913
<CHARGE-OFFS>                                        9
<RECOVERIES>                                        89
<ALLOWANCE-CLOSE>                                2,993
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0