<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-START> OCT-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 2,102 <INT-BEARING-DEPOSITS> 14,586 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 155,981 <INVESTMENTS-CARRYING> 17,364 <INVESTMENTS-MARKET> 17,140 <LOANS> 208,916 <ALLOWANCE> 1,755 <TOTAL-ASSETS> 427,075 <DEPOSITS> 254,495 <SHORT-TERM> 23,125 <LIABILITIES-OTHER> 23,094 <LONG-TERM> 100,525 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,141 <OTHER-SE> 19,695 <TOTAL-LIABILITIES-AND-EQUITY> 427,075 <INTEREST-LOAN> 4,224 <INTEREST-INVEST> 2,845 <INTEREST-OTHER> 96 <INTEREST-TOTAL> 7,165 <INTEREST-DEPOSIT> 2,614 <INTEREST-EXPENSE> 4,270 <INTEREST-INCOME-NET> 2,895 <LOAN-LOSSES> 25 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,336 <INCOME-PRETAX> 856 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 660 <EPS-PRIMARY> 0.32 <EPS-DILUTED> 0.31 <YIELD-ACTUAL> 7.17 <LOANS-NON> 2,554 <LOANS-PAST> 0 <LOANS-TROUBLED> 83 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,738 <CHARGE-OFFS> 8 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,755 <ALLOWANCE-DOMESTIC> 990 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 765