<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-1998 <PERIOD-START> OCT-01-1997 <PERIOD-END> JUN-30-1998 <CASH> 288 <INT-BEARING-DEPOSITS> 5,259 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 9,216 <INVESTMENTS-CARRYING> 5,661 <INVESTMENTS-MARKET> 5,852 <LOANS> 61,846 <ALLOWANCE> 188 <TOTAL-ASSETS> 84,906 <DEPOSITS> 65,703 <SHORT-TERM> 3,000 <LIABILITIES-OTHER> 1,480 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 14,723 <TOTAL-LIABILITIES-AND-EQUITY> 84,906 <INTEREST-LOAN> 3,579 <INTEREST-INVEST> 832 <INTEREST-OTHER> 145 <INTEREST-TOTAL> 4,556 <INTEREST-DEPOSIT> 2,405 <INTEREST-EXPENSE> 2,457 <INTEREST-INCOME-NET> 2,099 <LOAN-LOSSES> 39 <SECURITIES-GAINS> 592 <EXPENSE-OTHER> 1,560 <INCOME-PRETAX> 1,110 <INCOME-PRE-EXTRAORDINARY> 721 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 721 <EPS-PRIMARY> .53 <EPS-DILUTED> .52 <YIELD-ACTUAL> 3.49 <LOANS-NON> 124 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 145 <CHARGE-OFFS> 0 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 188 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 188