<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-START> OCT-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 2,436 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,960 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,163 <INVESTMENTS-CARRYING> 31,813 <INVESTMENTS-MARKET> 32,104 <LOANS> 53,348 <ALLOWANCE> 548 <TOTAL-ASSETS> 97,342 <DEPOSITS> 68,698 <SHORT-TERM> 0 <LIABILITIES-OTHER> 607 <LONG-TERM> 17,923 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9 <OTHER-SE> 10,103 <TOTAL-LIABILITIES-AND-EQUITY> 97,342 <INTEREST-LOAN> 1,042 <INTEREST-INVEST> 512 <INTEREST-OTHER> 63 <INTEREST-TOTAL> 1,617 <INTEREST-DEPOSIT> 605 <INTEREST-EXPENSE> 861 <INTEREST-INCOME-NET> 756 <LOAN-LOSSES> 22 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 741 <INCOME-PRETAX> 104 <INCOME-PRE-EXTRAORDINARY> 104 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 66 <EPS-PRIMARY> .07 <EPS-DILUTED> .07 <YIELD-ACTUAL> 7.54 <LOANS-NON> 4 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 528 <CHARGE-OFFS> 2 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 548 <ALLOWANCE-DOMESTIC> 548 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0