[ARTICLE] 9

                             
[PERIOD-TYPE]                   12-MOS
[FISCAL-YEAR-END]                          SEP-30-1998
[PERIOD-END]                               MAR-31-1998
[CASH]                                               0
[INT-BEARING-DEPOSITS]                       7,835,698
[FED-FUNDS-SOLD]                                     0
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                 61,406,420
[INVESTMENTS-CARRYING]                               0
[INVESTMENTS-MARKET]                                 0
[LOANS]                                     15,272,519
[ALLOWANCE]                                     25,000
[TOTAL-ASSETS]                              86,080,947
[DEPOSITS]                                  62,517,397
[SHORT-TERM]                                 6,500,000
[LIABILITIES-OTHER]                            761,988
[LONG-TERM]                                          0
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                         8,565
[OTHER-SE]                                  16,292,997
[TOTAL-LIABILITIES-AND-EQUITY]              86,080,947
[INTEREST-LOAN]                                597,998
[INTEREST-INVEST]                            2,200,273
[INTEREST-OTHER]                               119,428
[INTEREST-TOTAL]                             2,917,699
[INTEREST-DEPOSIT]                           1,598,741
[INTEREST-EXPENSE]                           1,794,279
[INTEREST-INCOME-NET]                        1,123,420
[LOAN-LOSSES]                                        0
[SECURITIES-GAINS]                                   0
[EXPENSE-OTHER]                                470,056
[INCOME-PRETAX]                                673,871
[INCOME-PRE-EXTRAORDINARY]                     407,406
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                   407,406
[EPS-PRIMARY]                                      .53
[EPS-DILUTED]                                      .52
[YIELD-ACTUAL]                                       0
[LOANS-NON]                                          0
[LOANS-PAST]                                         0
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                     0
[CHARGE-OFFS]                                        0
[RECOVERIES]                                         0
[ALLOWANCE-CLOSE]                               25,000
[ALLOWANCE-DOMESTIC]                            25,000
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                         25,000