<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-2001
<PERIOD-END>                               JUN-30-2000
<CASH>                                           1,156
<INT-BEARING-DEPOSITS>                           3,133
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     48,709
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         81,099
<ALLOWANCE>                                        317
<TOTAL-ASSETS>                                 140,202
<DEPOSITS>                                      85,263
<SHORT-TERM>                                    26,300
<LIABILITIES-OTHER>                              1,511
<LONG-TERM>                                     15,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            11
<OTHER-SE>                                      12,116
<TOTAL-LIABILITIES-AND-EQUITY>                 140,202
<INTEREST-LOAN>                                  1,638
<INTEREST-INVEST>                                  845
<INTEREST-OTHER>                                    65
<INTEREST-TOTAL>                                 2,548
<INTEREST-DEPOSIT>                                 962
<INTEREST-EXPENSE>                               1,552
<INTEREST-INCOME-NET>                              977
<LOAN-LOSSES>                                       19
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    695
<INCOME-PRETAX>                                    516
<INCOME-PRE-EXTRAORDINARY>                         516
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       335
<EPS-BASIC>                                        .48
<EPS-DILUTED>                                      .47
<YIELD-ACTUAL>                                    7.45
<LOANS-NON>                                        126
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    381
<ALLOWANCE-OPEN>                                   304
<CHARGE-OFFS>                                        6
<RECOVERIES>                                        19
<ALLOWANCE-CLOSE>                                  317
<ALLOWANCE-DOMESTIC>                               270
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             47