<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               JUN-30-2000
<CASH>                                           1,998
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,178
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,604
<INVESTMENTS-CARRYING>                          31,943
<INVESTMENTS-MARKET>                            31,203
<LOANS>                                         82,132
<ALLOWANCE>                                        731
<TOTAL-ASSETS>                                 130,625
<DEPOSITS>                                      83,201
<SHORT-TERM>                                    25,000
<LIABILITIES-OTHER>                                286
<LONG-TERM>                                     12,219
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             9
<OTHER-SE>                                       9,910
<TOTAL-LIABILITIES-AND-EQUITY>                 130,625
<INTEREST-LOAN>                                  4,531
<INTEREST-INVEST>                                1,828
<INTEREST-OTHER>                                   112
<INTEREST-TOTAL>                                 6,471
<INTEREST-DEPOSIT>                               1,996
<INTEREST-EXPENSE>                               3,348
<INTEREST-INCOME-NET>                            3,123
<LOAN-LOSSES>                                      108
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,628
<INCOME-PRETAX>                                    685
<INCOME-PRE-EXTRAORDINARY>                         685
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       449
<EPS-BASIC>                                        .50
<EPS-DILUTED>                                      .50
<YIELD-ACTUAL>                                    7.54
<LOANS-NON>                                         21
<LOANS-PAST>                                       735
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   624
<CHARGE-OFFS>                                        1
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  731
<ALLOWANCE-DOMESTIC>                               731
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0