<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                             595
<INT-BEARING-DEPOSITS>                          10,910
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          41,537
<INVESTMENTS-MARKET>                            41,818
<LOANS>                                         62,073
<ALLOWANCE>                                        300
<TOTAL-ASSETS>                                 118,968
<DEPOSITS>                                      80,807
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                 83
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      37,464
<TOTAL-LIABILITIES-AND-EQUITY>                 118,968
<INTEREST-LOAN>                                  4,046
<INTEREST-INVEST>                                  758
<INTEREST-OTHER>                                   397
<INTEREST-TOTAL>                                 6,114
<INTEREST-DEPOSIT>                               3,258
<INTEREST-EXPENSE>                               3,258
<INTEREST-INCOME-NET>                            2,856
<LOAN-LOSSES>                                       74
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,191
<INCOME-PRETAX>                                    672
<INCOME-PRE-EXTRAORDINARY>                         672
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       444
<EPS-PRIMARY>                                     0.10
<EPS-DILUTED>                                     0.10
<YIELD-ACTUAL>                                    3.51
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   300
<CHARGE-OFFS>                                       74
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  300
<ALLOWANCE-DOMESTIC>                               300
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0