<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-KSB FOR THE FISCAL YEAR ENDED MARCH 31, 2000 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> MAR-31-2000
<PERIOD-END> MAR-31-2000
<CASH> 5,062
<INT-BEARING-DEPOSITS> 60
<FED-FUNDS-SOLD> 131
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 26,902
<INVESTMENTS-CARRYING> 26,902
<INVESTMENTS-MARKET> 26,902
<LOANS> 129,098
<ALLOWANCE> 1,289
<TOTAL-ASSETS> 175,254
<DEPOSITS> 134,897
<SHORT-TERM> 574
<LIABILITIES-OTHER> 1,022
<LONG-TERM> 0
0
0
<COMMON> 13
<OTHER-SE> 18,986
<TOTAL-LIABILITIES-AND-EQUITY> 175,254
<INTEREST-LOAN> 10,099
<INTEREST-INVEST> 1,713
<INTEREST-OTHER> 129
<INTEREST-TOTAL> 11,941
<INTEREST-DEPOSIT> 5,256
<INTEREST-EXPENSE> 5,892
<INTEREST-INCOME-NET> 6,049
<LOAN-LOSSES> 223
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 5,359
<INCOME-PRETAX> 1,362
<INCOME-PRE-EXTRAORDINARY> 1,362
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,070
<EPS-BASIC> .94
<EPS-DILUTED> .92
<YIELD-ACTUAL> 8.2
<LOANS-NON> 773
<LOANS-PAST> 994
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 861
<CHARGE-OFFS> 371
<RECOVERIES> 70
<ALLOWANCE-CLOSE> 1,289
<ALLOWANCE-DOMESTIC> 1,289
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 477
</TABLE>