<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the March
31, 2000 financial statement 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> 2,131,302
<INT-BEARING-DEPOSITS> 97,426
<FED-FUNDS-SOLD> 5,385,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 7,138,482
<INVESTMENTS-CARRYING> 200,000
<INVESTMENTS-MARKET> 185,445
<LOANS> 62,360,994
<ALLOWANCE> 482,359
<TOTAL-ASSETS> 82,464,022
<DEPOSITS> 59,633,433
<SHORT-TERM> 0
<LIABILITIES-OTHER> 488,926
<LONG-TERM> 16,715,000
0
0
<COMMON> 753,570
<OTHER-SE> 4,873,093
<TOTAL-LIABILITIES-AND-EQUITY> 82,464,022
<INTEREST-LOAN> 4,946,955
<INTEREST-INVEST> 452,352
<INTEREST-OTHER> 224,191
<INTEREST-TOTAL> 5,623,498
<INTEREST-DEPOSIT> 2,135,265
<INTEREST-EXPENSE> 2,871,099
<INTEREST-INCOME-NET> 2,752,399
<LOAN-LOSSES> 78,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,437,508
<INCOME-PRETAX> 713,519
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 463,188
<EPS-BASIC> 0.62
<EPS-DILUTED> 0.62
<YIELD-ACTUAL> 3.90
<LOANS-NON> 118,365
<LOANS-PAST> 13,222
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 275,867
<ALLOWANCE-OPEN> 404,385
<CHARGE-OFFS> 4,986
<RECOVERIES> 4,960
<ALLOWANCE-CLOSE> 482,359
<ALLOWANCE-DOMESTIC> 482,359
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>