<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-Q
and is qualified in its entirety by reference to such Form 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-END>                               DEC-31-1998
<CASH>                                             831
<INT-BEARING-DEPOSITS>                           3,901
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          15,314
<INVESTMENTS-MARKET>                            15,355
<LOANS>                                        189,582
<ALLOWANCE>                                      1,549
<TOTAL-ASSETS>                                 220,939
<DEPOSITS>                                     140,175
<SHORT-TERM>                                    37,250
<LIABILITIES-OTHER>                              2,629
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            30
<OTHER-SE>                                      40,855
<TOTAL-LIABILITIES-AND-EQUITY>                 220,939
<INTEREST-LOAN>                                  3,925
<INTEREST-INVEST>                                  235
<INTEREST-OTHER>                                    96
<INTEREST-TOTAL>                                 4,256
<INTEREST-DEPOSIT>                               1,841
<INTEREST-EXPENSE>                               2,400
<INTEREST-INCOME-NET>                            1,856
<LOAN-LOSSES>                                       33
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                  1,196
<INCOME-PRETAX>                                    762
<INCOME-PRE-EXTRAORDINARY>                         762
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       465
<EPS-PRIMARY>                                     0.22
<EPS-DILUTED>                                     0.22
<YIELD-ACTUAL>                                    7.96
<LOANS-NON>                                      1,605
<LOANS-PAST>                                     1,112
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  9,961
<ALLOWANCE-OPEN>                                 1,521
<CHARGE-OFFS>                                        5
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,549
<ALLOWANCE-DOMESTIC>                             1,549
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0