<ARTICLE> 9
<LEGEND>    
The schedule contains summary financial information extracted from the
Quarterly Report on Form 10-QSB for the Quarter ended June 30, 1998 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>  1
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                         440,751
<INT-BEARING-DEPOSITS>                       3,510,629
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,158,707
<INVESTMENTS-CARRYING>                      49,335,974
<INVESTMENTS-MARKET>                        49,617,450
<LOANS>                                     70,949,940
<ALLOWANCE>                                    307,396
<TOTAL-ASSETS>                             135,039,704
<DEPOSITS>                                  84,035,704
<SHORT-TERM>                                10,000,000
<LIABILITIES-OTHER>                          1,592,036
<LONG-TERM>                                 26,000,000
<COMMON>                                     3,096,608
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  10,298,489
<TOTAL-LIABILITIES-AND-EQUITY>             135,039,704
<INTEREST-LOAN>                              4,326,675
<INTEREST-INVEST>                            2,741,059
<INTEREST-OTHER>                               286,806
<INTEREST-TOTAL>                             7,354,540
<INTEREST-DEPOSIT>                           3,072,213
<INTEREST-EXPENSE>                           1,471,764
<INTEREST-INCOME-NET>                        2,810,563
<LOAN-LOSSES>                                   45,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,281,401
<INCOME-PRETAX>                              1,489,566
<INCOME-PRE-EXTRAORDINARY>                   1,489,566
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,030,166
<EPS-PRIMARY>                                     0.60
<EPS-DILUTED>                                     0.57
<YIELD-ACTUAL>                                    7.35
<LOANS-NON>                                     99,071
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                217,546
<ALLOWANCE-OPEN>                               297,811
<CHARGE-OFFS>                                    5,727
<RECOVERIES>                                       312
<ALLOWANCE-CLOSE>                              307,396
<ALLOWANCE-DOMESTIC>                           307,396
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0