<ARTICLE>             9
<MULTIPLIER>          1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                             283
<INT-BEARING-DEPOSITS>                           1,258
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           3,860
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         92,848
<ALLOWANCE>                                        600
<TOTAL-ASSETS>                                 101,352
<DEPOSITS>                                      75,200
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              9,860
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            16
<OTHER-SE>                                      16,276
<TOTAL-LIABILITIES-AND-EQUITY>                 101,352
<INTEREST-LOAN>                                  6,047
<INTEREST-INVEST>                                  142
<INTEREST-OTHER>                                   181
<INTEREST-TOTAL>                                 6,370
<INTEREST-DEPOSIT>                               2,936
<INTEREST-EXPENSE>                                 409
<INTEREST-INCOME-NET>                            3,025
<LOAN-LOSSES>                                      181
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,745
<INCOME-PRETAX>                                  1,321
<INCOME-PRE-EXTRAORDINARY>                       1,321
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       850
<EPS-PRIMARY>                                     0.61
<EPS-DILUTED>                                     0.57
<YIELD-ACTUAL>                                    3.27
<LOANS-NON>                                      1,960
<LOANS-PAST>                                     4,944
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   476
<CHARGE-OFFS>                                      124
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  600
<ALLOWANCE-DOMESTIC>                               600
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0