<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>                                  1,000

       
                                          
<PERIOD-TYPE>                                3-MOS
<FISCAL-YEAR-END>                            SEP-30-1998
<PERIOD-END>                                 DEC-31-1997
<CASH>                                         3,287
<INT-BEARING-DEPOSITS>                           112
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                    8,467
<INVESTMENTS-CARRYING>                        50,316
<INVESTMENTS-MARKET>                          50,687
<LOANS>                                      166,790
<ALLOWANCE>                                    1,044
<TOTAL-ASSETS>                               233,640
<DEPOSITS>                                   145,969
<SHORT-TERM>                                  51,500
<LIABILITIES-OTHER>                            3,250
<LONG-TERM>                                        0
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                         228
<OTHER-SE>                                    32,692
<TOTAL-LIABILITIES-AND-EQUITY>               233,640
<INTEREST-LOAN>                                3,341
<INTEREST-INVEST>                              1,017
<INTEREST-OTHER>                                   0
<INTEREST-TOTAL>                               4,358
<INTEREST-DEPOSIT>                             1,865
<INTEREST-EXPENSE>                               707
<INTEREST-INCOME-NET>                          1,786
<LOAN-LOSSES>                                     70
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                  914
<INCOME-PRETAX>                                  995
<INCOME-PRE-EXTRAORDINARY>                         0
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     596
<EPS-PRIMARY>                                    .37<F1>
<EPS-DILUTED>                                    .37
<YIELD-ACTUAL>                                  2.90
<LOANS-NON>                                       79
<LOANS-PAST>                                     700
<LOANS-TROUBLED>                                 247
<LOANS-PROBLEM>                                1,882
<ALLOWANCE-OPEN>                                 967
<CHARGE-OFFS>                                      0
<RECOVERIES>                                       5
<ALLOWANCE-CLOSE>                              1,044
<ALLOWANCE-DOMESTIC>                           1,044
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0
<FN>
<F1> BASIC EARNINGS PER SHARE
</FN>