<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-1998 <PERIOD-START> OCT-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 431 <INT-BEARING-DEPOSITS> 4,049 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 161 <INVESTMENTS-CARRYING> 3,492 <INVESTMENTS-MARKET> 3,518 <LOANS> 28,931 <ALLOWANCE> 181 <TOTAL-ASSETS> 37,916 <DEPOSITS> 30,673 <SHORT-TERM> 0 <LIABILITIES-OTHER> 325 <LONG-TERM> 1,700 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 5,218 <TOTAL-LIABILITIES-AND-EQUITY> 37,916 <INTEREST-LOAN> 665 <INTEREST-INVEST> 60 <INTEREST-OTHER> 47 <INTEREST-TOTAL> 772 <INTEREST-DEPOSIT> 371 <INTEREST-EXPENSE> 397 <INTEREST-INCOME-NET> 375 <LOAN-LOSSES> 2 <SECURITIES-GAINS> 6 <EXPENSE-OTHER> 212 <INCOME-PRETAX> 183 <INCOME-PRE-EXTRAORDINARY> 121 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 121 <EPS-PRIMARY> .26 <EPS-DILUTED> .25 <YIELD-ACTUAL> 4.04 <LOANS-NON> 76 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 187 <CHARGE-OFFS> 9 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 181 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 181