<ARTICLE>               9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated condensed statement of financial condition and the consolidated
statements of income and is qulaified in its entirety by reference to such
financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-END>                               DEC-31-1998
<CASH>                                       1,333,116
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             5,612,144
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 17,359,536
<INVESTMENTS-CARRYING>                       5,927,580
<INVESTMENTS-MARKET>                         6,940,866
<LOANS>                                     79,624,873
<ALLOWANCE>                                    533,437
<TOTAL-ASSETS>                             113,765,927
<DEPOSITS>                                  84,036,728
<SHORT-TERM>                                 1,300,000
<LIABILITIES-OTHER>                          1,702,866
<LONG-TERM>                                  4,487,804
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,547
<OTHER-SE>                                  22,223,982
<TOTAL-LIABILITIES-AND-EQUITY>             113,765,927
<INTEREST-LOAN>                              1,469,648
<INTEREST-INVEST>                              325,830
<INTEREST-OTHER>                                67,124
<INTEREST-TOTAL>                             1,862,602
<INTEREST-DEPOSIT>                             773,059
<INTEREST-EXPENSE>                             877,658
<INTEREST-INCOME-NET>                          984,944
<LOAN-LOSSES>                                    6,000
<SECURITIES-GAINS>                              23,713
<EXPENSE-OTHER>                                722,715
<INCOME-PRETAX>                                364,586
<INCOME-PRE-EXTRAORDINARY>                     364,586
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   171,986
<EPS-PRIMARY>                                      .13
<EPS-DILUTED>                                      .13
<YIELD-ACTUAL>                                    6.83
<LOANS-NON>                                          5
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               527,437
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              533,437
<ALLOWANCE-DOMESTIC>                           458,813
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         74,624