<ARTICLE> 9
<LEGEND>    
The schedule contains summary financial information extracted from the
Quarterly Report on Form 10-QSB for the Quarter ended December 31, 1998 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>  1
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-END>                               DEC-31-1998
<CASH>                                         359,281
<INT-BEARING-DEPOSITS>                      11,437,188
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  4,875,087
<INVESTMENTS-CARRYING>                      52,275,164
<INVESTMENTS-MARKET>                        52,468,034
<LOANS>                                     67,984,419
<ALLOWANCE>                                    305,301
<TOTAL-ASSETS>                             142,599,956
<DEPOSITS>                                  90,513,588
<SHORT-TERM>                                 6,000,000
<LIABILITIES-OTHER>                          1,523,495
<LONG-TERM>                                 30,000,000
<COMMON>                                     3,468,439
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  11,094,434
<TOTAL-LIABILITIES-AND-EQUITY>             142,599,956
<INTEREST-LOAN>                              1,427,396
<INTEREST-INVEST>                              930,669
<INTEREST-OTHER>                               112,479
<INTEREST-TOTAL>                             2,470,544
<INTEREST-DEPOSIT>                           1,062,802
<INTEREST-EXPENSE>                             506,716
<INTEREST-INCOME-NET>                          901,026
<LOAN-LOSSES>                                   15,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                752,874
<INCOME-PRETAX>                                534,340
<INCOME-PRE-EXTRAORDINARY>                     534,340
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   358,840
<EPS-PRIMARY>                                     0.21
<EPS-DILUTED>                                     0.19
<YIELD-ACTUAL>                                    7.00
<LOANS-NON>                                    125,203
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                176,984
<ALLOWANCE-OPEN>                               307,228
<CHARGE-OFFS>                                   16,999
<RECOVERIES>                                        72
<ALLOWANCE-CLOSE>                              305,301
<ALLOWANCE-DOMESTIC>                           305,301
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0