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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-mos
<FISCAL-YEAR-END> Mar-31-2000
<PERIOD-END> Sep-30-2000
<CASH> 11,489
<INT-BEARING-DEPOSITS> 5,581
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<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 32,008
<INVESTMENTS-MARKET> 31,877
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<ALLOWANCE> 1,946
<TOTAL-ASSETS> 527,460
<DEPOSITS> 448,223
<SHORT-TERM> 0
<LIABILITIES-OTHER> 4,582
<LONG-TERM> 19,539
0
0
<COMMON> 521
<OTHER-SE> 54,595
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<INTEREST-DEPOSIT> 7,333
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<INTEREST-INCOME-NET> 6,635
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<EXPENSE-OTHER> 4,438
<INCOME-PRETAX> 2,210
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<EPS-BASIC> 0.26
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<YIELD-ACTUAL> 3.35
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<ALLOWANCE-CLOSE> 1,946
<ALLOWANCE-DOMESTIC> 1,946
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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