<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-QSB FOR THE QUARTER ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAR-31-2001
<PERIOD-END> SEP-30-2000
<CASH> 5,173
<INT-BEARING-DEPOSITS> 94
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 28,760
<INVESTMENTS-CARRYING> 28,760
<INVESTMENTS-MARKET> 28,760
<LOANS> 134,474
<ALLOWANCE> 1,353
<TOTAL-ASSETS> 181,734
<DEPOSITS> 139,182
<SHORT-TERM> 17,712
<LIABILITIES-OTHER> 1,275
<LONG-TERM> 0
0
0
<COMMON> 13
<OTHER-SE> 19,539
<TOTAL-LIABILITIES-AND-EQUITY> 181,734
<INTEREST-LOAN> 5,822
<INTEREST-INVEST> 912
<INTEREST-OTHER> 8
<INTEREST-TOTAL> 6,742
<INTEREST-DEPOSIT> 2,814
<INTEREST-EXPENSE> 3,552
<INTEREST-INCOME-NET> 3,192
<LOAN-LOSSES> 124
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,337
<INCOME-PRETAX> 752
<INCOME-PRE-EXTRAORDINARY> 752
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 578
<EPS-BASIC> .53
<EPS-DILUTED> .53
<YIELD-ACTUAL> 8.5
<LOANS-NON> 706
<LOANS-PAST> 1,902
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 3,045
<ALLOWANCE-OPEN> 1,289
<CHARGE-OFFS> 80
<RECOVERIES> 29
<ALLOWANCE-CLOSE> 1,353
<ALLOWANCE-DOMESTIC> 1,353
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 547
</TABLE>