<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>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                       2,635,000
<INT-BEARING-DEPOSITS>                       2,175,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      16,597,000
<INVESTMENTS-MARKET>                        16,515,000
<LOANS>                                    199,959,000
<ALLOWANCE>                                  1,405,000
<TOTAL-ASSETS>                             233,213,000
<DEPOSITS>                                 142,628,000
<SHORT-TERM>                                46,229,000
<LIABILITIES-OTHER>                          4,391,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,000
<OTHER-SE>                                  39,935,000
<TOTAL-LIABILITIES-AND-EQUITY>             233,213,000
<INTEREST-LOAN>                              4,021,000
<INTEREST-INVEST>                              231,000
<INTEREST-OTHER>                                78,000
<INTEREST-TOTAL>                             4,330,000
<INTEREST-DEPOSIT>                           1,802,000
<INTEREST-EXPENSE>                           2,378,000
<INTEREST-INCOME-NET>                        1,952,000
<LOAN-LOSSES>                                (144,000)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,205,000
<INCOME-PRETAX>                              1,003,000
<INCOME-PRE-EXTRAORDINARY>                   1,003,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   628,000
<EPS-PRIMARY>                                     0.30
<EPS-DILUTED>                                     0.30
<YIELD-ACTUAL>                                    7.86
<LOANS-NON>                                    713,000
<LOANS-PAST>                                   172,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                             10,156,000
<ALLOWANCE-OPEN>                             1,521,000
<CHARGE-OFFS>                                    5,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,405,000
<ALLOWANCE-DOMESTIC>                         1,405,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0