<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-2000 <PERIOD-END> DEC-31-1999 <CASH> 1,029 <INT-BEARING-DEPOSITS> 3,367 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 35,164 <INVESTMENTS-MARKET> 34,039 <LOANS> 70,156 <ALLOWANCE> 300 <TOTAL-ASSETS> 113,580 <DEPOSITS> 78,860 <SHORT-TERM> 4,000 <LIABILITIES-OTHER> 525 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 30,195 <TOTAL-LIABILITIES-AND-EQUITY> 113,580 <INTEREST-LOAN> 1,450 <INTEREST-INVEST> 569 <INTEREST-OTHER> 28 <INTEREST-TOTAL> 2,047 <INTEREST-DEPOSIT> 860 <INTEREST-EXPENSE> 899 <INTEREST-INCOME-NET> 1,148 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 912 <INCOME-PRETAX> 284 <INCOME-PRE-EXTRAORDINARY> 284 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 188 <EPS-BASIC> 0.08 <EPS-DILUTED> 0.08 <YIELD-ACTUAL> 4.16 <LOANS-NON> 0 <LOANS-PAST> 50 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 300 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 300 <ALLOWANCE-DOMESTIC> 300 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0