<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-30-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                            1,329
<INT-BEARING-DEPOSITS>                                0
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                       6,815
<INVESTMENTS-CARRYING>                            4,118
<INVESTMENTS-MARKET>                                  0
<LOANS>                                          37,232
<ALLOWANCE>                                         151
<TOTAL-ASSETS>                                   51,804
<DEPOSITS>                                       41,564
<SHORT-TERM>                                      4,000
<LIABILITIES-OTHER>                                 403
<LONG-TERM>                                       1,491
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                             38
<OTHER-SE>                                        3,396
<TOTAL-LIABILITIES-AND-EQUITY>                   51,804
<INTEREST-LOAN>                                   1,961
<INTEREST-INVEST>                                   389
<INTEREST-OTHER>                                     47
<INTEREST-TOTAL>                                  2,397
<INTEREST-DEPOSIT>                                1,068
<INTEREST-EXPENSE>                                   98
<INTEREST-INCOME-NET>                             1,231
<LOAN-LOSSES>                                        31
<SECURITIES-GAINS>                                    3
<EXPENSE-OTHER>                                   1,160
<INCOME-PRETAX>                                     223
<INCOME-PRE-EXTRAORDINARY>                          223
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        141
<EPS-BASIC>                                       .41
<EPS-DILUTED>                                       .41
<YIELD-ACTUAL>                                     .018
<LOANS-NON>                                         321
<LOANS-PAST>                                        552
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    134
<CHARGE-OFFS>                                         0
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                   151
<ALLOWANCE-DOMESTIC>                                151
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0



</TABLE>