[ARTICLE] 9
[MULTIPLIER] 1,000
<TABLE>
<S> <C>
[PERIOD-TYPE] 3-MOS
[FISCAL-YEAR-END] MAR-31-1997
[PERIOD-END] JUN-30-1996
[CASH] 1,002
[INT-BEARING-DEPOSITS] 1,977
[FED-FUNDS-SOLD] 0
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 3,120
[INVESTMENTS-CARRYING] 7,950
[INVESTMENTS-MARKET] 7,757
[LOANS] 73,529
[ALLOWANCE] 435
[TOTAL-ASSETS] 91,804
[DEPOSITS] 59,835
[SHORT-TERM] 14,541
[LIABILITIES-OTHER] 495
[LONG-TERM] 5,213
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 1,033
[OTHER-SE] 10,687
[TOTAL-LIABILITIES-AND-EQUITY] 91,804
[INTEREST-LOAN] 1,598
[INTEREST-INVEST] 204
[INTEREST-OTHER] 0
[INTEREST-TOTAL] 1,802
[INTEREST-DEPOSIT] 695
[INTEREST-EXPENSE] 972
[INTEREST-INCOME-NET] 830
[LOAN-LOSSES] 6
[SECURITIES-GAINS] 0
[EXPENSE-OTHER] 577
[INCOME-PRETAX] 387
[INCOME-PRE-EXTRAORDINARY] 223
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 223
[EPS-PRIMARY] .25
[EPS-DILUTED] .25
[YIELD-ACTUAL] 3.50
[LOANS-NON] 589
[LOANS-PAST] 6
[LOANS-TROUBLED] 106
[LOANS-PROBLEM] 106
[ALLOWANCE-OPEN] 433
[CHARGE-OFFS] 10
[RECOVERIES] 6
[ALLOWANCE-CLOSE] 435
[ALLOWANCE-DOMESTIC] 0
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 0
</TABLE>
