<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED 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-30-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                                 407
<INT-BEARING-DEPOSITS>                               3,063
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         11,526
<INVESTMENTS-CARRYING>                               6,679
<INVESTMENTS-MARKET>                                 6,723
<LOANS>                                             45,628
<ALLOWANCE>                                            862
<TOTAL-ASSETS>                                      68,619
<DEPOSITS>                                          54,867
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  1,276
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               101
<OTHER-SE>                                          12,375
<TOTAL-LIABILITIES-AND-EQUITY>                      68,619
<INTEREST-LOAN>                                        973
<INTEREST-INVEST>                                      298
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     1,272
<INTEREST-DEPOSIT>                                     626
<INTEREST-EXPENSE>                                     626
<INTEREST-INCOME-NET>                                  646
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        402
<INCOME-PRETAX>                                        286
<INCOME-PRE-EXTRAORDINARY>                             177
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           177
<EPS-PRIMARY>                                          .27<F1>
<EPS-DILUTED>                                          .24
<YIELD-ACTUAL>                                        7.66
<LOANS-NON>                                            297
<LOANS-PAST>                                            85
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      1,369
<ALLOWANCE-OPEN>                                       861
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             1
<ALLOWANCE-CLOSE>                                      862
<ALLOWANCE-DOMESTIC>                                   862
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                698
<FN>
<F1> BASIC EARNINGS PER SHARE
</FN>