<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           1,413
<INT-BEARING-DEPOSITS>                           3,146
<FED-FUNDS-SOLD>                                 2,525
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     25,904
<INVESTMENTS-CARRYING>                           1,002
<INVESTMENTS-MARKET>                             1,020
<LOANS>                                        151,020
<ALLOWANCE>                                      1,007
<TOTAL-ASSETS>                                 189,557
<DEPOSITS>                                     151,449
<SHORT-TERM>                                     7,100
<LIABILITIES-OTHER>                              2,798
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            20
<OTHER-SE>                                      28,190
<TOTAL-LIABILITIES-AND-EQUITY>                 189,557
<INTEREST-LOAN>                                  9,517
<INTEREST-INVEST>                                1,404
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                10,921
<INTEREST-DEPOSIT>                               5,587
<INTEREST-EXPENSE>                               5,851
<INTEREST-INCOME-NET>                            5,070
<LOAN-LOSSES>                                    (100)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,214
<INCOME-PRETAX>                                  3,800
<INCOME-PRE-EXTRAORDINARY>                       3,800
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,406
<EPS-PRIMARY>                                     1.47
<EPS-DILUTED>                                     1.40
<YIELD-ACTUAL>                                    3.78
<LOANS-NON>                                          0
<LOANS-PAST>                                       226
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    331
<ALLOWANCE-OPEN>                                 1,124
<CHARGE-OFFS>                                       17
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,007
<ALLOWANCE-DOMESTIC>                             1,007
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            112