<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>                                 9-MOS
<FISCAL-YEAR-END>                             SEP-30-2000
<PERIOD-END>                                  JUN-30-2000
<CASH>                                            948
<INT-BEARING-DEPOSITS>                          1,459
<FED-FUNDS-SOLD>                                2,314
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    19,208
<INVESTMENTS-CARRYING>                         36,307
<INVESTMENTS-MARKET>                           34,631
<LOANS>                                        95,877
<ALLOWANCE>                                       365
<TOTAL-ASSETS>                                157,446
<DEPOSITS>                                    117,355
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                               958
<LONG-TERM>                                    24,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          129
<OTHER-SE>                                     15,003
<TOTAL-LIABILITIES-AND-EQUITY>                157,446
<INTEREST-LOAN>                                 5,373
<INTEREST-INVEST>                               2,765
<INTEREST-OTHER>                                  199
<INTEREST-TOTAL>                                8,336
<INTEREST-DEPOSIT>                              4,270
<INTEREST-EXPENSE>                              5,210
<INTEREST-INCOME-NET>                           3,126
<LOAN-LOSSES>                                      90
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 2,104
<INCOME-PRETAX>                                 1,040
<INCOME-PRE-EXTRAORDINARY>                      1,040
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      638
<EPS-BASIC>                                       .55
<EPS-DILUTED>                                     .55
<YIELD-ACTUAL>                                   2.71
<LOANS-NON>                                         0
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  345
<CHARGE-OFFS>                                      72
<RECOVERIES>                                        2
<ALLOWANCE-CLOSE>                                 365
<ALLOWANCE-DOMESTIC>                              365
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0