<ARTICLE> 9
<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           2,294
<INT-BEARING-DEPOSITS>                             209
<FED-FUNDS-SOLD>                                   175
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     27,382
<INVESTMENTS-CARRYING>                             282
<INVESTMENTS-MARKET>                               285
<LOANS>                                        170,592
<ALLOWANCE>                                        979
<TOTAL-ASSETS>                                 206,487
<DEPOSITS>                                     153,123
<SHORT-TERM>                                    24,000
<LIABILITIES-OTHER>                              1,952
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            20
<OTHER-SE>                                      27,392
<TOTAL-LIABILITIES-AND-EQUITY>                 206,487
<INTEREST-LOAN>                                  3,450
<INTEREST-INVEST>                                  485
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,935
<INTEREST-DEPOSIT>                               1,810
<INTEREST-EXPENSE>                               2,126
<INTEREST-INCOME-NET>                            1,809
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    781
<INCOME-PRETAX>                                  1,242
<INCOME-PRE-EXTRAORDINARY>                       1,242
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       832
<EPS-BASIC>                                     .575
<EPS-DILUTED>                                     .563
<YIELD-ACTUAL>                                    3.64
<LOANS-NON>                                        410
<LOANS-PAST>                                       177
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    528
<ALLOWANCE-OPEN>                                   992
<CHARGE-OFFS>                                       13
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  979
<ALLOWANCE-DOMESTIC>                               979
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            152