<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-END> DEC-31-1998 <CASH> 624 <INT-BEARING-DEPOSITS> 4,311 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 3,000 <INVESTMENTS-MARKET> 747 <LOANS> 93,508 <ALLOWANCE> 699 <TOTAL-ASSETS> 105,430 <DEPOSITS> 78,630 <SHORT-TERM> 4,000 <LIABILITIES-OTHER> 1,346 <LONG-TERM> 8,469 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16 <OTHER-SE> 12,969 <TOTAL-LIABILITIES-AND-EQUITY> 105,430 <INTEREST-LOAN> 2,028 <INTEREST-INVEST> 53 <INTEREST-OTHER> 83 <INTEREST-TOTAL> 2,164 <INTEREST-DEPOSIT> 1,028 <INTEREST-EXPENSE> 166 <INTEREST-INCOME-NET> 970 <LOAN-LOSSES> 12 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 563 <INCOME-PRETAX> 455 <INCOME-PRE-EXTRAORDINARY> 455 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 455 <EPS-PRIMARY> .21 <EPS-DILUTED> .20 <YIELD-ACTUAL> 3.79 <LOANS-NON> 3,465 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 704 <CHARGE-OFFS> 18 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 699 <ALLOWANCE-DOMESTIC> 699 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0