<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1998             SEP-30-1997
<PERIOD-START>                             OCT-01-1997             OCT-01-1996
<PERIOD-END>                               JUN-30-1998             JUN-30-1997
<CASH>                                             527                     897
<INT-BEARING-DEPOSITS>                           2,412                   2,203
<FED-FUNDS-SOLD>                                 3,300                     900
<TRADING-ASSETS>                                     0                       0
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<INVESTMENTS-MARKET>                             1,483                     991
<LOANS>                                         44,381                  48,166
<ALLOWANCE>                                        255                     243
<TOTAL-ASSETS>                                  61,082                  69,479
<DEPOSITS>                                      44,786                  42,451
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              1,070                   1,298
<LONG-TERM>                                          0                       0
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<COMMON>                                             0                       0
<OTHER-SE>                                      15,226                  25,730
<TOTAL-LIABILITIES-AND-EQUITY>                  61,082                  69,479
<INTEREST-LOAN>                                  2,813                   2,932
<INTEREST-INVEST>                                  321                     746
<INTEREST-OTHER>                                   338                     168
<INTEREST-TOTAL>                                 3,472                   3,846
<INTEREST-DEPOSIT>                               1,614                   1,466
<INTEREST-EXPENSE>                               1,615                   1,467
<INTEREST-INCOME-NET>                            1,841                   2,380
<LOAN-LOSSES>                                        6                      18
<SECURITIES-GAINS>                                   0                     237
<EXPENSE-OTHER>                                  1,196                   1,285
<INCOME-PRETAX>                                    708                   1,369
<INCOME-PRE-EXTRAORDINARY>                         708                   1,369
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       443                     859
<EPS-PRIMARY>                                      .26                     .50
<EPS-DILUTED>                                      .26                     .50
<YIELD-ACTUAL>                                    7.39                    7.59
<LOANS-NON>                                          0                       0
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<LOANS-TROUBLED>                                     0                       0
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<CHARGE-OFFS>                                        0                       0
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<ALLOWANCE-FOREIGN>                                  0                       0
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