<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  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>                                          4,941
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    10,353
<INVESTMENTS-CARRYING>                            809
<INVESTMENTS-MARKET>                           11,161
<LOANS>                                       156,507
<ALLOWANCE>                                       832
<TOTAL-ASSETS>                                176,535
<DEPOSITS>                                    116,448
<SHORT-TERM>                                   19,000
<LIABILITIES-OTHER>                               950
<LONG-TERM>                                    19,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          215
<OTHER-SE>                                     20,922
<TOTAL-LIABILITIES-AND-EQUITY>                176,535
<INTEREST-LOAN>                                 2,868
<INTEREST-INVEST>                                 239
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                3,107
<INTEREST-DEPOSIT>                              1,137
<INTEREST-EXPENSE>                              1,613
<INTEREST-INCOME-NET>                           1,494
<LOAN-LOSSES>                                      30
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   886
<INCOME-PRETAX>                                   864
<INCOME-PRE-EXTRAORDINARY>                        864
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      511
<EPS-BASIC>                                       .24
<EPS-DILUTED>                                     .23
<YIELD-ACTUAL>                                   3.62
<LOANS-NON>                                     1,663
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  804
<CHARGE-OFFS>                                       2
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 832
<ALLOWANCE-DOMESTIC>                              832
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           832