<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>                                   1000
       
                                            
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                           4,654
<INT-BEARING-DEPOSITS>                           3,542
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,573
<INVESTMENTS-CARRYING>                          29,650
<INVESTMENTS-MARKET>                            29,907
<LOANS>                                        175,049
<ALLOWANCE>                                      1,205
<TOTAL-ASSETS>                                 223,700
<DEPOSITS>                                     155,407
<SHORT-TERM>                                    21,300
<LIABILITIES-OTHER>                              2,677
<LONG-TERM>                                     21,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           228
<OTHER-SE>                                      23,089
<TOTAL-LIABILITIES-AND-EQUITY>                 223,700
<INTEREST-LOAN>                                  3,562
<INTEREST-INVEST>                                  604
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 4,166
<INTEREST-DEPOSIT>                               1,929
<INTEREST-EXPENSE>                               2,483
<INTEREST-INCOME-NET>                            1,683
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                  66
<EXPENSE-OTHER>                                  1,015
<INCOME-PRETAX>                                  1,008
<INCOME-PRE-EXTRAORDINARY>                       1,008
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       604
<EPS-PRIMARY>                                     0.50
<EPS-DILUTED>                                     0.44
<YIELD-ACTUAL>                                    3.09
<LOANS-NON>                                        465
<LOANS-PAST>                                       149
<LOANS-TROUBLED>                                   636
<LOANS-PROBLEM>                                  2,053
<ALLOWANCE-OPEN>                                 1,137
<CHARGE-OFFS>                                       25
<RECOVERIES>                                        18
<ALLOWANCE-CLOSE>                                1,205
<ALLOWANCE-DOMESTIC>                             1,205
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0