<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND THE CONSLIDATED 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> 9-MOS <FISCAL-YEAR-END> SEP-30-1998 <PERIOD-START> OCT-01-1997 <PERIOD-END> JUN-30-1998 <CASH> 7,218 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 8,474 <INVESTMENTS-MARKET> 8,597 <LOANS> 175,646 <ALLOWANCE> 2,109 <TOTAL-ASSETS> 207,381 <DEPOSITS> 139,858 <SHORT-TERM> 7,999 <LIABILITIES-OTHER> 1,031 <LONG-TERM> 42,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,656 <OTHER-SE> 12,837 <TOTAL-LIABILITIES-AND-EQUITY> 207,381 <INTEREST-LOAN> 11,447 <INTEREST-INVEST> 383 <INTEREST-OTHER> 88 <INTEREST-TOTAL> 11,918 <INTEREST-DEPOSIT> 4,075 <INTEREST-EXPENSE> 2,754 <INTEREST-INCOME-NET> 5,089 <LOAN-LOSSES> 329 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,867 <INCOME-PRETAX> 1,798 <INCOME-PRE-EXTRAORDINARY> 1,196 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,196 <EPS-PRIMARY> .38 <EPS-DILUTED> .34 <YIELD-ACTUAL> 3.66 <LOANS-NON> 610 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,148 <CHARGE-OFFS> 2 <RECOVERIES> 42 <ALLOWANCE-CLOSE> 2,109 <ALLOWANCE-DOMESTIC> 1,759 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 350