<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-2000 <PERIOD-START> OCT-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 1,062 <INT-BEARING-DEPOSITS> 2,241 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 59 <INVESTMENTS-CARRYING> 1,741 <INVESTMENTS-MARKET> 1,735 <LOANS> 36,992 <ALLOWANCE> 252 <TOTAL-ASSETS> 43,277 <DEPOSITS> 37,430 <SHORT-TERM> 0 <LIABILITIES-OTHER> 274 <LONG-TERM> 300 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 5,273 <TOTAL-LIABILITIES-AND-EQUITY> 43,277 <INTEREST-LOAN> 769 <INTEREST-INVEST> 26 <INTEREST-OTHER> 37 <INTEREST-TOTAL> 832 <INTEREST-DEPOSIT> 418 <INTEREST-EXPENSE> 429 <INTEREST-INCOME-NET> 403 <LOAN-LOSSES> 15 <SECURITIES-GAINS> (13) <EXPENSE-OTHER> 291 <INCOME-PRETAX> 113 <INCOME-PRE-EXTRAORDINARY> 74 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 74 <EPS-BASIC> .16 <EPS-DILUTED> .16 <YIELD-ACTUAL> 3.85 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 238 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 252 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 252