[ARTICLE] 9

                             
[PERIOD-TYPE]                   3-MOS
[FISCAL-YEAR-END]                          SEP-30-1999
[PERIOD-END]                               DEC-31-1999
[CASH]                                        10365319
[INT-BEARING-DEPOSITS]                               0
[FED-FUNDS-SOLD]                                     0
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                   70768280
[INVESTMENTS-CARRYING]                               0
[INVESTMENTS-MARKET]                                 0
[LOANS]                                       15530635
[ALLOWANCE]                                      25000
[TOTAL-ASSETS]                                98500403
[DEPOSITS]                                    66255743
[SHORT-TERM]                                         0
[LIABILITIES-OTHER]                                  0
[LONG-TERM]                                     552302
[PREFERRED-MANDATORY]                         15000000
[PREFERRED]                                          0
[COMMON]                                          8565
[OTHER-SE]                                    16683793
[TOTAL-LIABILITIES-AND-EQUITY]                98500403
[INTEREST-LOAN]                                 302201
[INTEREST-INVEST]                              1137670
[INTEREST-OTHER]                                144573
[INTEREST-TOTAL]                               1584444
[INTEREST-DEPOSIT]                              840225
[INTEREST-EXPENSE]                             1051199
[INTEREST-INCOME-NET]                           533245
[LOAN-LOSSES]                                        0
[SECURITIES-GAINS]                                   0
[EXPENSE-OTHER]                                 247537
[INCOME-PRETAX]                                 292996
[INCOME-PRE-EXTRAORDINARY]                           0
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                         0
[EPS-PRIMARY]                                   176919
[EPS-DILUTED]                                      .23
[YIELD-ACTUAL]                                     .23
[LOANS-NON]                                          0
[LOANS-PAST]                                         0
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                 25000
[CHARGE-OFFS]                                        0
[RECOVERIES]                                         0
[ALLOWANCE-CLOSE]                                25000
[ALLOWANCE-DOMESTIC]                             25000
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                          25000