<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-END> DEC-31-1998 <CASH> 610 <INT-BEARING-DEPOSITS> 7,243 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4,081 <INVESTMENTS-CARRYING> 39,773 <INVESTMENTS-MARKET> 40,954 <LOANS> 64,445 <ALLOWANCE> 300 <TOTAL-ASSETS> 120,088 <DEPOSITS> 81,568 <SHORT-TERM> 0 <LIABILITIES-OTHER> 608 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 37,912 <TOTAL-LIABILITIES-AND-EQUITY> 120,088 <INTEREST-LOAN> 1,363 <INTEREST-INVEST> 704 <INTEREST-OTHER> 65 <INTEREST-TOTAL> 2,132 <INTEREST-DEPOSIT> 935 <INTEREST-EXPENSE> 935 <INTEREST-INCOME-NET> 1,197 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 800 <INCOME-PRETAX> 428 <INCOME-PRE-EXTRAORDINARY> 428 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 283 <EPS-PRIMARY> 0.11 <EPS-DILUTED> 0.11 <YIELD-ACTUAL> 4.14 <LOANS-NON> 0 <LOANS-PAST> 169 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 300 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 300 <ALLOWANCE-DOMESTIC> 300 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0