<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAR-31-2001
<PERIOD-END> SEP-30-2000
<CASH> 519
<INT-BEARING-DEPOSITS> 426
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 85,609
<INVESTMENTS-MARKET> 83,419
<LOANS> 54,929
<ALLOWANCE> 425
<TOTAL-ASSETS> 150,470
<DEPOSITS> 73,021
<SHORT-TERM> 4,500
<LIABILITIES-OTHER> 3,136
<LONG-TERM> 45,000
0
0
<COMMON> 345
<OTHER-SE> 24,468
<TOTAL-LIABILITIES-AND-EQUITY> 150,470
<INTEREST-LOAN> 2,046
<INTEREST-INVEST> 2,940
<INTEREST-OTHER> 131
<INTEREST-TOTAL> 5,117
<INTEREST-DEPOSIT> 1,647
<INTEREST-EXPENSE> 2,991
<INTEREST-INCOME-NET> 2,126
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,183
<INCOME-PRETAX> 987
<INCOME-PRE-EXTRAORDINARY> 987
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 987
<EPS-BASIC> .19
<EPS-DILUTED> .19
<YIELD-ACTUAL> 2.95
<LOANS-NON> 0
<LOANS-PAST> 11
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 425
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 425
<ALLOWANCE-DOMESTIC> 425
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>