<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from Form 10-Q and is
qualified in its entirety by reference to such Form 10-Q.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                         422,000
<INT-BEARING-DEPOSITS>                       9,412,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      17,342,000
<INVESTMENTS-MARKET>                        17,402,000
<LOANS>                                    181,861,000
<ALLOWANCE>                                  1,584,000
<TOTAL-ASSETS>                             220,784,000
<DEPOSITS>                                 133,560,000
<SHORT-TERM>                                40,250,000
<LIABILITIES-OTHER>                            618,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,000
<OTHER-SE>                                  43,826,000
<TOTAL-LIABILITIES-AND-EQUITY>             220,784,000
<INTEREST-LOAN>                             11,682,000
<INTEREST-INVEST>                              691,000
<INTEREST-OTHER>                               436,000
<INTEREST-TOTAL>                            12,809,000
<INTEREST-DEPOSIT>                           5,339,000
<INTEREST-EXPENSE>                           7,002,000
<INTEREST-INCOME-NET>                        5,807,000
<LOAN-LOSSES>                                 (17,000)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,185,000
<INCOME-PRETAX>                              2,890,000
<INCOME-PRE-EXTRAORDINARY>                   2,890,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,817,000
<EPS-PRIMARY>                                     0.76
<EPS-DILUTED>                                     0.74
<YIELD-ACTUAL>                                    8.28
<LOANS-NON>                                    858,000
<LOANS-PAST>                                 1,474,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                             11,158,000
<ALLOWANCE-OPEN>                             1,624,000
<CHARGE-OFFS>                                   23,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,584,000
<ALLOWANCE-DOMESTIC>                         1,584,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0