<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  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>                                          1,879
<INT-BEARING-DEPOSITS>                            367
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     6,219
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                        42,584
<ALLOWANCE>                                       404
<TOTAL-ASSETS>                                 53,868
<DEPOSITS>                                     42,476
<SHORT-TERM>                                    3,500
<LIABILITIES-OTHER>                               451
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           66
<OTHER-SE>                                      7,376
<TOTAL-LIABILITIES-AND-EQUITY>                 53,868
<INTEREST-LOAN>                                   954
<INTEREST-INVEST>                                  99
<INTEREST-OTHER>                                    6
<INTEREST-TOTAL>                                1,059
<INTEREST-DEPOSIT>                                576
<INTEREST-EXPENSE>                                 41
<INTEREST-INCOME-NET>                             442
<LOAN-LOSSES>                                      15
<SECURITIES-GAINS>                                 (7)
<EXPENSE-OTHER>                                   400
<INCOME-PRETAX>                                    61
<INCOME-PRE-EXTRAORDINARY>                         32
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                       32
<EPS-BASIC>                                       .07
<EPS-DILUTED>                                     .07
<YIELD-ACTUAL>                                   3.17
<LOANS-NON>                                       150
<LOANS-PAST>                                      401
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  389
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 404
<ALLOWANCE-DOMESTIC>                              404
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0