<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-QSB. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-START> OCT-01-1998 <PERIOD-END> JUN-30-1999 <CASH> 4,088 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 15,654 <INVESTMENTS-MARKET> 15,906 <LOANS> 171,092 <ALLOWANCE> 1,808 <TOTAL-ASSETS> 205,258 <DEPOSITS> 145,367 <SHORT-TERM> 12,000 <LIABILITIES-OTHER> 1,561 <LONG-TERM> 28,986 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,656 <OTHER-SE> 13,687 <TOTAL-LIABILITIES-AND-EQUITY> 205,258 <INTEREST-LOAN> 3,444 <INTEREST-INVEST> 453 <INTEREST-OTHER> 98 <INTEREST-TOTAL> 3,995 <INTEREST-DEPOSIT> 1,663 <INTEREST-EXPENSE> 678 <INTEREST-INCOME-NET> 1,654 <LOAN-LOSSES> 123 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,295 <INCOME-PRETAX> 541 <INCOME-PRE-EXTRAORDINARY> 364 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 364 <EPS-BASIC> .11 <EPS-DILUTED> .11 <YIELD-ACTUAL> 3.28 <LOANS-NON> 221 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,921 <CHARGE-OFFS> 113 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,808 <ALLOWANCE-DOMESTIC> 1,458 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 350