<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL  REPORT ON FORM 10QSB AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                        
<PERIOD-TYPE>                                 3-MOS
<FISCAL-YEAR-END>                             SEP-30-2000
<PERIOD-END>                                  DEC-31-1999
<CASH>                                          2,883
<INT-BEARING-DEPOSITS>                            777
<FED-FUNDS-SOLD>                                1,234
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    19,016
<INVESTMENTS-CARRYING>                         33,292
<INVESTMENTS-MARKET>                           30,782
<LOANS>                                        92,953
<ALLOWANCE>                                       304
<TOTAL-ASSETS>                                154,532
<DEPOSITS>                                    118,453
<SHORT-TERM>                                    1,000
<LIABILITIES-OTHER>                               396
<LONG-TERM>                                    20,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          129
<OTHER-SE>                                     14,554
<TOTAL-LIABILITIES-AND-EQUITY>                154,532
<INTEREST-LOAN>                                 1,772
<INTEREST-INVEST>                                 638
<INTEREST-OTHER>                                  365
<INTEREST-TOTAL>                                2,776
<INTEREST-DEPOSIT>                              1,431
<INTEREST-EXPENSE>                              1,725
<INTEREST-INCOME-NET>                           1,050
<LOAN-LOSSES>                                      30
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   693
<INCOME-PRETAX>                                   362
<INCOME-PRE-EXTRAORDINARY>                        362
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      223
<EPS-BASIC>                                       .19
<EPS-DILUTED>                                     .19
<YIELD-ACTUAL>                                   2.47
<LOANS-NON>                                        13
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                 2,120
<ALLOWANCE-OPEN>                                  345
<CHARGE-OFFS>                                      71
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 304
<ALLOWANCE-DOMESTIC>                              304
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0