<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>                                  9-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   JUN-30-1998  
<CASH>                                            249
<INT-BEARING-DEPOSITS>                          2,486
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     4,918
<INVESTMENTS-CARRYING>                            200
<INVESTMENTS-MARKET>                              200
<LOANS>                                        35,151
<ALLOWANCE>                                       370
<TOTAL-ASSETS>                                 44,430
<DEPOSITS>                                     34,586
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                               479
<LONG-TERM>                                       529
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           66
<OTHER-SE>                                      8,770
<TOTAL-LIABILITIES-AND-EQUITY>                 44,430
<INTEREST-LOAN>                                 2,344
<INTEREST-INVEST>                                 192
<INTEREST-OTHER>                                   80
<INTEREST-TOTAL>                                2,616
<INTEREST-DEPOSIT>                              1,552
<INTEREST-EXPENSE>                                 37
<INTEREST-INCOME-NET>                           1,027
<LOAN-LOSSES>                                      24
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   731
<INCOME-PRETAX>                                   312
<INCOME-PRE-EXTRAORDINARY>                        199
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      199
<EPS-PRIMARY>                                     .30
<EPS-DILUTED>                                     .30
<YIELD-ACTUAL>                                   2.64
<LOANS-NON>                                        16
<LOANS-PAST>                                      477
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  346
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 370
<ALLOWANCE-DOMESTIC>                              370
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0