<ARTICLE> 9
<LEGEND>    
The schedule contains summary financial information extracted from the Annual
Report on Form 10QSB for the Quarter ended December 31, 1997 and is qualified
in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>  1
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               DEC-31-1997
<CASH>                                         524,784
<INT-BEARING-DEPOSITS>                       2,632,299
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  4,893,422
<INVESTMENTS-CARRYING>                      50,283,548
<INVESTMENTS-MARKET>                        50,739,052
<LOANS>                                     71,499,675
<ALLOWANCE>                                    294,522
<TOTAL-ASSETS>                             135,345,330
<DEPOSITS>                                  85,947,794
<SHORT-TERM>                                14,000,000
<LIABILITIES-OTHER>                          1,726,533
<LONG-TERM>                                 21,000,000
<COMMON>                                     3,014,230
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   9,566,773
<TOTAL-LIABILITIES-AND-EQUITY>             135,345,330
<INTEREST-LOAN>                              1,411,765
<INTEREST-INVEST>                              952,464
<INTEREST-OTHER>                                48,222
<INTEREST-TOTAL>                             2,412,451
<INTEREST-DEPOSIT>                           1,029,521
<INTEREST-EXPENSE>                             455,704
<INTEREST-INCOME-NET>                        1,485,225
<LOAN-LOSSES>                                   15,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                714,139
<INCOME-PRETAX>                                468,318
<INCOME-PRE-EXTRAORDINARY>                     468,318
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   350,792
<EPS-PRIMARY>                                     0.21
<EPS-DILUTED>                                     0.20
<YIELD-ACTUAL>                                    7.70
<LOANS-NON>                                    282,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                117,793
<ALLOWANCE-OPEN>                               301,952
<CHARGE-OFFS>                                   24,972
<RECOVERIES>                                     2,542
<ALLOWANCE-CLOSE>                              294,522
<ALLOWANCE-DOMESTIC>                           294,522
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0