<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-QSB. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-2000 <PERIOD-START> OCT-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 4,932 <INT-BEARING-DEPOSITS> 1,897 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 8,676 <INVESTMENTS-MARKET> 8,501 <LOANS> 190,501 <ALLOWANCE> 1,770 <TOTAL-ASSETS> 219,319 <DEPOSITS> 139,538 <SHORT-TERM> 36,265 <LIABILITIES-OTHER> 1,706 <LONG-TERM> 23,980 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,736 <OTHER-SE> 14,093 <TOTAL-LIABILITIES-AND-EQUITY> 219,319 <INTEREST-LOAN> 3,645 <INTEREST-INVEST> 141 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 3,786 <INTEREST-DEPOSIT> 1,373 <INTEREST-EXPENSE> 774 <INTEREST-INCOME-NET> 1,639 <LOAN-LOSSES> 31 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,462 <INCOME-PRETAX> 487 <INCOME-PRE-EXTRAORDINARY> 305 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 305 <EPS-BASIC> .10 <EPS-DILUTED> .09 <YIELD-ACTUAL> 3.37 <LOANS-NON> 326 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,821 <CHARGE-OFFS> 87,000 <RECOVERIES> 5 <ALLOWANCE-CLOSE> 1,770 <ALLOWANCE-DOMESTIC> 1,420 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 350