<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEC FORM
10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS
</LEGEND>
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> MAR-31-2000
<PERIOD-END> MAR-31-2000
<CASH> 512,729
<INT-BEARING-DEPOSITS> 590,000
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 163,317
<INVESTMENTS-MARKET> 163,317
<LOANS> 6,624,200
<ALLOWANCE> 32,700
<TOTAL-ASSETS> 7,981,684
<DEPOSITS> 5,265,067
<SHORT-TERM> 0
<LIABILITIES-OTHER> 109,485
<LONG-TERM> 1,000,000
0
0
<COMMON> 911
<OTHER-SE> 1,585,752
<TOTAL-LIABILITIES-AND-EQUITY> 7,981,684
<INTEREST-LOAN> 550,033
<INTEREST-INVEST> 6,088
<INTEREST-OTHER> 73,182
<INTEREST-TOTAL> 629,303
<INTEREST-DEPOSIT> 274,101
<INTEREST-EXPENSE> 322,918
<INTEREST-INCOME-NET> 306,385
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 273,040
<INCOME-PRETAX> 37,522
<INCOME-PRE-EXTRAORDINARY> 37,522
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 30,108
<EPS-BASIC> .33
<EPS-DILUTED> 0.33
<YIELD-ACTUAL> 8.03
<LOANS-NON> 0
<LOANS-PAST> 135,705
<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>