<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                       <C>
<PERIOD-TYPE>                                     9-MOS
<FISCAL-YEAR-END>                                 SEP-30-2000
<PERIOD-END>                                      JUN-30-2000
<CASH>                                              2,218
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                         8,802
<INVESTMENTS-CARRYING>                              3,807
<INVESTMENTS-MARKET>                                    0
<LOANS>                                            40,061
<ALLOWANCE>                                           186
<TOTAL-ASSETS>                                     57,723
<DEPOSITS>                                         43,749
<SHORT-TERM>                                        6,727
<LIABILITIES-OTHER>                                     0
<LONG-TERM>                                         1,400
<PREFERRED-MANDATORY>                                 403
<PREFERRED>                                             0
<COMMON>                                               38
<OTHER-SE>                                          5,407
<TOTAL-LIABILITIES-AND-EQUITY>                     57,723
<INTEREST-LOAN>                                     2,265
<INTEREST-INVEST>                                     589
<INTEREST-OTHER>                                       36
<INTEREST-TOTAL>                                    2,894
<INTEREST-DEPOSIT>                                  1,160
<INTEREST-EXPENSE>                                    385
<INTEREST-INCOME-NET>                               1,349
<LOAN-LOSSES>                                          13
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                     1,371
<INCOME-PRETAX>                                       104
<INCOME-PRE-EXTRAORDINARY>                              0
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                          104
<EPS-BASIC>                                           .30
<EPS-DILUTED>                                         .30
<YIELD-ACTUAL>                                       .023
<LOANS-NON>                                           446
<LOANS-PAST>                                          139
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                      186
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                     186
<ALLOWANCE-DOMESTIC>                                  186
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0



</TABLE>