<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM S-1 AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
                                            
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           1,137
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,080
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     42,225
<INVESTMENTS-CARRYING>                          18,736
<INVESTMENTS-MARKET>                            18,524
<LOANS>                                        341,174
<ALLOWANCE>                                      2,564
<TOTAL-ASSETS>                                 419,041
<DEPOSITS>                                     352,180
<SHORT-TERM>                                     1,000
<LIABILITIES-OTHER>                              9,754
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 419,041
<INTEREST-LOAN>                                 26,992
<INTEREST-INVEST>                                3,906
<INTEREST-OTHER>                                   994
<INTEREST-TOTAL>                                31,892
<INTEREST-DEPOSIT>                              18,831
<INTEREST-EXPENSE>                              18,966
<INTEREST-INCOME-NET>                           12,926
<LOAN-LOSSES>                                      405
<SECURITIES-GAINS>                                 117
<EXPENSE-OTHER>                                 13,946
<INCOME-PRETAX>                                  3,536
<INCOME-PRE-EXTRAORDINARY>                       3,536
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,385
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.91
<LOANS-NON>                                        836
<LOANS-PAST>                                     2,167
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,200
<ALLOWANCE-OPEN>                                 2,633
<CHARGE-OFFS>                                      474
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,564
<ALLOWANCE-DOMESTIC>                             2,564
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            635