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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC Form
10-QSB and is qualified in its entirety by reference to such financial
statements
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAR-31-2001
<PERIOD-END> SEP-30-2000
<CASH> 591,809
<INT-BEARING-DEPOSITS> 491,000
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 199,815
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 6,837,087
<ALLOWANCE> 32,700
<TOTAL-ASSETS> 8,225,228
<DEPOSITS> 5,459,294
<SHORT-TERM> 0
<LIABILITIES-OTHER> 122,089
<LONG-TERM> 1,000,000
0
0
<COMMON> 911
<OTHER-SE> 1,618,590
<TOTAL-LIABILITIES-AND-EQUITY> 8,225,228
<INTEREST-LOAN> 289,667
<INTEREST-INVEST> 3,589
<INTEREST-OTHER> 29,878
<INTEREST-TOTAL> 323,134
<INTEREST-DEPOSIT> 144,372
<INTEREST-EXPENSE> 176,336
<INTEREST-INCOME-NET> 146,798
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 125,990
<INCOME-PRETAX> 23,586
<INCOME-PRE-EXTRAORDINARY> 23,586
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 17,612
<EPS-BASIC> .20
<EPS-DILUTED> 0
<YIELD-ACTUAL> 7.97
<LOANS-NON> 0
<LOANS-PAST> 146,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 32,700
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 32,700
<ALLOWANCE-DOMESTIC> 32,700
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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