<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                   1,000
       
                                        
<PERIOD-TYPE>                                9-MOS
<FISCAL-YEAR-END>                            SEP-30-1998
<PERIOD-END>                                 JUN-30-1998 
<CASH>                                        13,529
<INT-BEARING-DEPOSITS>                             0
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   38,019
<INVESTMENTS-CARRYING>                        70,145
<INVESTMENTS-MARKET>                          69,001
<LOANS>                                      283,754
<ALLOWANCE>                                   (1,048)
<TOTAL-ASSETS>                               414,072
<DEPOSITS>                                   221,078
<SHORT-TERM>                                 147,234
<LIABILITIES-OTHER>                            2,546
<LONG-TERM>                                        0
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                         450
<OTHER-SE>                                    42,764
<TOTAL-LIABILITIES-AND-EQUITY>               414,072
<INTEREST-LOAN>                                5,961
<INTEREST-INVEST>                              1,593
<INTEREST-OTHER>                                   0
<INTEREST-TOTAL>                               7,554
<INTEREST-DEPOSIT>                             2,532
<INTEREST-EXPENSE>                             2,125
<INTEREST-INCOME-NET>                          2,897
<LOAN-LOSSES>                                    107
<SECURITIES-GAINS>                               130
<EXPENSE-OTHER>                                2,130
<INCOME-PRETAX>                                1,280
<INCOME-PRE-EXTRAORDINARY>                       767
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     767
<EPS-PRIMARY>                                    .29
<EPS-DILUTED>                                    .27
<YIELD-ACTUAL>                                  2.89
<LOANS-NON>                                      846
<LOANS-PAST>                                       0
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                                 852
<CHARGE-OFFS>                                     40
<RECOVERIES>                                       9
<ALLOWANCE-CLOSE>                              1,048
<ALLOWANCE-DOMESTIC>                           1,048
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0