[ARTICLE] 9
[MULTIPLIER] 1,000
<TABLE>
<S> <C>
[PERIOD-TYPE] YEAR
[FISCAL-YEAR-END] MAR-31-1996
[PERIOD-END] MAR-31-1996
[CASH] 947
[INT-BEARING-DEPOSITS] 2,465
[FED-FUNDS-SOLD] 0
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 2,859
[INVESTMENTS-CARRYING] 5,373
[INVESTMENTS-MARKET] 5,386
[LOANS] 70,680
[ALLOWANCE] 433
[TOTAL-ASSETS] 86,355
[DEPOSITS] 57,256
[SHORT-TERM] 14,906
[LIABILITIES-OTHER] 323
[LONG-TERM] 2,006
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 1,033
[OTHER-SE] 10,831
[TOTAL-LIABILITIES-AND-EQUITY] 86,355
[INTEREST-LOAN] 5,911
[INTEREST-INVEST] 562
[INTEREST-OTHER] 0
[INTEREST-TOTAL] 6,473
[INTEREST-DEPOSIT] 2,614
[INTEREST-EXPENSE] 3,311
[INTEREST-INCOME-NET] 3,162
[LOAN-LOSSES] 24
[SECURITIES-GAINS] 0
[EXPENSE-OTHER] 2,175
[INCOME-PRETAX] 1,439
[INCOME-PRE-EXTRAORDINARY] 842
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 842
[EPS-PRIMARY] .90
[EPS-DILUTED] .90
[YIELD-ACTUAL] 3.77
[LOANS-NON] 497
[LOANS-PAST] 134
[LOANS-TROUBLED] 62
[LOANS-PROBLEM] 62
[ALLOWANCE-OPEN] 434
[CHARGE-OFFS] 43
[RECOVERIES] 18
[ALLOWANCE-CLOSE] 433
[ALLOWANCE-DOMESTIC] 0
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 0
</TABLE>
