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|Delaware                 | 36-4101473                             
|------------------------ | ---------------------------------------
|(State of incorporation) | (I.R.S. Employer Identification Number)

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|Yes | X | No |                                          
|--- | - | -- | -----------------------------------------
|    |   |    | (First Filing Pursuant to Rule 15d-13(a))

|Class:Common Stock,  $.01 par value | Shares Outstanding at November 14, 20001,303,232
|----------------------------------- | ------------------------------------------------
|                                    |                                                 

|ITEM 1 - | FINANCIAL STATEMENTS                                                                                                                     | Page
|-------- | ---------------------------------------------------------------------------------------------------------------------------------------- | ----
|         |                                                                                                                                          |     
|         | Condensed Consolidated Statements of Financial Condition at September 30, 2000 and December 31, 1999                                     | 3   
|         |                                                                                                                                          |     
|         | Condensed Consolidated Statements of Income for the three months and nine months ended September 30, 2000 and 1999                       | 4   
|         |                                                                                                                                          |     
|         | Condensed Consolidated Statements of Stockholders' Equity for the nine months ended
September 30, 2000 and 1999                          | 5   
|         |                                                                                                                                          |     
|         | Condensed Consolidated Statements of Comprehensive Income (Loss) for the three
months and nine  months ended September 30, 2000 and 1999 | 6   
|         |                                                                                                                                          |     
|         | Condensed Consolidated Statements of Cash Flows for the nine months ended
September 30, 2000 and 1999                                    | 7   
|         |                                                                                                                                          |     
|         | Notes to the Condensed Consolidated Financial Statements as of September 30, 2000                                                        | 9   
|         |                                                                                                                                          |     
|Item 2 - | MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS                                                    | 11  
|         |                                                                                                                                          |     
|         | Part II  -  Other Information                                                                                                            |     
|         | Item 1.      Legal Proceedings                                                                                                           | 17  
|         | Item 2.      Changes in Securities and Use of Proceeds                                                                                   | 17  
|         | Item 3.      Defaults Upon Senior Securities                                                                                             | 17  
|         | Item 4.      Submission of Matters to a Vote of Security Holders                                                                         | 17  
|         | Item 5.      Other Information                                                                                                           | 17  
|         | Item 6.      Exhibits and Reports on Form 8-K                                                                                            | 17  

|                                                                                                                                       | September 30,2000             | December 31,1999             
|-------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------- | -----------------------------
|ASSETS                                                                                                                                 |                               |                              
|Cash on hand and in banks                                                                                                              | $386                          | $868                         
|Interest-bearing deposit accounts in other  financial institutions                                                                     | 3,130                         | 2,437                        
|Total cash and cash equivalents                                                                                                        | 3,516                         | 3,305                        
|Interest-bearing term deposits in other financial  institutions                                                                        | 153                           | 159                          
|Equity securities                                                                                                                      | 986                           | 1,917                        
|Securities available-for-sale                                                                                                          | 33,991                        | 33,633                       
|Mortgage-backed securities available-for-sale                                                                                          | 4,792                         | 5,636                        
|Loans receivable, net                                                                                                                  | 69,268                        | 72,179                       
|Federal Home Loan Bank stock                                                                                                           | 1,996                         | 1,927                        
|Premises and equipment, net                                                                                                            | 499                           | 477                          
|Accrued interest receivable                                                                                                            | 993                           | 1,051                        
|Other assets                                                                                                                           | 787                           | 1,072                        
|Total assets                                                                                                                           | $116,981=======               | $121,356=======              
|                                                                                                                                       |                               |                              
|LIABILITIES AND STOCKHOLDERS' EQUITY                                                                                                   |                               |                              
|Liabilities                                                                                                                            |                               |                              
|Deposits                                                                                                                               | $                      63,665 | $                      63,983
|Advances from borrowers for taxes and insurance                                                                                        | 1,036                         | 733                          
|Advances from the Federal Home Loan Bank and other borrowings                                                                          | 36,513                        | 37,405                       
|Accrued interest payable and other liabilities                                                                                         | 667                           | 363                          
|Total liabilities                                                                                                                      | 101,881                       | 102,484                      
|                                                                                                                                       |                               |                              
|Stockholders' Equity
      Common stock $0.01 par value per share, 2,500,000
      shares authorized; 2,182,125 issued and
outstanding | 22                            | 22                           
|Additional paid-in capital                                                                                                             | 21,655                        | 21,644                       
|Retained earnings, substantially restricted                                                                                            | 7,263                         | 6,862                        
|Unearned ESOP shares                                                                                                                   | (907)                         | (981)                        
|Unearned stock awards                                                                                                                  | (635)                         | (767)                        
|Treasury stock, at cost, 855,914 and 488,681 shares respectively                                                                       | (10,948)                      | (6,425)                      
|Accumulated other comprehensive loss                                                                                                   | (1,350)                       | (1,483)                      
|Total stockholders' equity                                                                                                             | 15,100                        | 18,872                       
|Total liabilities and stockholders' equity                                                                                             | $116,981======                | $121,356======               

|                                                     | Nine Months EndedSeptember 30, | Three Months endedSeptember 30,
|---------------------------------------------------- | ------------------------------ | -------------------------------
|                                                     | 2000                           | 1999                           
|Interest Income                                      |                                |                                
|Loans                                                | $4,291                         | $3,705                         
|Securities                                           | 1,673                          | 1,390                          
|Mortgage-backed securities                           | 260                            | 409                            
|Dividend income on equity securities                 | 75                             | 196                            
|Other interest earning assets                        | 246                            | 148                            
|Total interest income                                | 6,545                          | 5,848                          
|Interest expense                                     |                                |                                
|Deposits                                             | 2,247                          | 1,753                          
|Federal Home Loan Bank advances and other
borrowings | 1,607                          | 1,245                          
|Total interest expense                               | 3,854                          | 2,998                          
|Net interest income                                  | 2,691                          | 2,850                          
|Provision for loan losses                            | 15                             | --                             
|Net interest income after provision for loan losses  | 2,676                          | 2,850                          
|Noninterest income                                   |                                |                                
|Net loss on sale of securities                       | (103)                          | (57)                           
|Gain on sale of other real estate owned              | 53                             | --                             
|Other operating income                               | 79                             | 60                             
|Total noninterest income                             | 29                             | 3                              
|Noninterest expense                                  |                                |                                
|Compensation and benefits                            | 742                            | 691                            
|Occupancy and equipment expense                      | 111                            | 98                             
|Data processing services                             | 67                             | 110                            
|Federal deposit insurance premiums                   | 10                             | 25                             
|Professional fees                                    | 191                            | 58                             
|Other operating expenses                             | 223                            | 201                            
|Total noninterest expense                            | 1,344                          | 1,183                          
|Income before income tax expense                     | 1,361                          | 1,670                          
|Income tax expense                                   | 378                            | 455                            
|Net income                                           | $   983========                | $1,215========                 
|Basic earnings per share                             | $   0.76========               | $   0.76========               
|Diluted earnings per share                           | $   ========                   | $   ========                   

|Nine Months Ended September 30                                        | 2000      | 1999     
|--------------------------------------------------------------------- | --------- | ---------
|Common Stock                                                          |           |          
|Balance at beginning of year                                          | $      22 | $      22
|Balance at September 30                                               | $      22 | $      22
|Additional Paid-In Capital                                            |           |          
|Balance at beginning of year                                          | $21,644   | $21,638  
|ESOP shares released                                                  | 11        | 3        
|Balance at September 30                                               | $21,655   | $21,641  
|Retained Earnings, Substantially Restricted                           |           |          
|Balance at beginning of year                                          | $  6,862  | $  6,141 
|Net income for the period                                             | 983       | 1,215    
|Dividends declared, $0.44 $0.40 per share, respectively               | (582)     | (658)    
|Balance at September 30                                               | $7,263    | $6,698   
|Unearned ESOP Shares                                                  |           |          
|Balance at beginning of year                                          | $(981)    | $(1,077) 
|ESOP shares released                                                  | 74        | 72       
|Balance at September 30                                               | $(907)    | $(1,005) 
|Unearned Stock Awards                                                 |           |          
|Balance at beginning of year                                          | $(767)    | $(941)   
|Stock awards earned                                                   | 132       | 130      
|Balance at September 30                                               | $(635)    | $(811)   
|Treasury Stock                                                        |           |          
|Balance at beginning of year                                          | (6,425)   | (4,759)  
|Purchases of treasury stock                                           | (4,523)   | (1,666)  
|Balance at September 30                                               | $(10,948) | $(6,425) 
|Accumulated Other Comprehensive Income                                |           |          
|Balance at beginning of year                                          | $(1,483)  | $      2 
|Change in unrealized loss on securities available-for-sale net of
tax | 133       | (1,161)  
|Balance at September 30                                               | $(1,350)  | $(1,159) 
|Total Stockholders' Equity                                            | $15,100   | $18,961  

|                                                                        | Nine Months EndedSeptember 30, | Three Months endedSeptember 30,
|----------------------------------------------------------------------- | ------------------------------ | -------------------------------
|                                                                        | 2000                           | 1999                           
|Net income                                                              | $   983                        | $1,215                         
|Other Comprehensive Income:                                             |                                |                                
|Unrealized gains (losses) on available-for-sale securities              | 481                            | (1,890)                        
|Less reclassification adjustments for losses (gains) recorded in income | 103                            | (18)                           
|Tax effect                                                              | (245)                          | 711                            
|Other comprehensive loss                                                | 133                            | (1,161)                        
|Total comprehensive income (loss)                                       | $1,116=========                | $    54=========               

|                                                      | Nine months ended September 30,                                               
|----------------------------------------------------- | ------------------------------------------------------------------------------
|                                                      | 2000                                                                          
|Cash flows from operating activities                  |                                                                               
|                                                      | Net income                                                                    
|                                                      | Adjustments to reconcile net income to net cash from operating activities     
|                                                      |                                                                               
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|Cash flows from investing activities                  |                                                                               
|                                                      |                                                                               
|                                                      | Calls on equity securities available-for-sale                                 
|                                                      | Proceeds from sale of equity securities available-for-sale                    
|                                                      | Proceeds from sale of securities available-for-sale                           
|                                                      | Purchase of securities available-for-sale                                     
|                                                      | Proceeds from sale of mortgage-backed securities available-for-sale           
|                                                      | Purchase of Federal Home Loan Bank Stock                                      
|                                                      | Proceeds from maturities of securities available-for-sale                     
|                                                      | Net decrease in interest-bearing term deposits in other financial institutions
|                                                      |                                                                               
|                                                      | Capital expenditures, net                                                     
|                                                      |                                                                               
|Cash flows from financing activities                  |                                                                               
|                                                      | Net increase (decrease) in deposits                                           
|                                                      | Dividends paid                                                                
|                                                      | Proceeds from FHLB and other borrowings                                       
|                                                      | Repayment of FHLB and other borrowings                                        
|                                                      | Purchase of treasury stock                                                    
|                                                      |                                                                               
|                                                      |                                                                               
|Change in cash and cash equivalents                   | 211                                                                           
|Cash and cash equivalents at beginning of period      | 3,305                                                                         
|Cash and cash equivalents at end of period            | $3,516                                                                        
|Supplemental disclosure of cash flow information      |                                                                               
|                                                      |                                                                               
|                                                      |                                                                               
|                                                      |                                                                               
|Supplemental disclosure of noncash investing activity |                                                                               
|                                                      |                                                                               

|                                                                               | Nine Months Ended
September 30, | Three Months Ended
September 30,
|------------------------------------------------------------------------------ | ------------------------------- | --------------------------------
|                                                                               | 2000                            | 1999                            
|Basic Earnings Per Share                                                       |                                 |                                 
|Net income                                                                     | $983,420                        | $1,215,471                      
|Weighted average common shares outstanding                                     | 1,302,170                       | 1,607,423                       
|Basic Earnings Per Share                                                       | $0.76                           | $0.76                           
|Earnings Per Share Assuming Dilution                                           |                                 |                                 
|Net income                                                                     | $983,420                        | $1,215,471                      
|Weighted average common shares outstanding                                     | 1,302,170                       | 1,607,423                       
|Add dilutive effect of assumed exercises                                       |                                 |                                 
|Incentive stock options                                                        | 5,982                           | -                               
|Stock awards                                                                   | -                               | -                               
|Weighted average common and dilutive potential
      common shares outstanding | 1,308,152                       | 1,607,423                       
|Diluted Earnings Per Share                                                     | $0.75                           | $0.76                           

|Change in
Interest

Rates(Basis Points) | Estimated

NPVAmount | Ratio of NPV

toTotal Assets | Estimated
Increase

(Decrease) in
NPV
|--------------------------------------- | -------------------- | ---------------------------- | -------------------------------------

| |  |  | Amount | Percent
| |  |  | ------ | -------

|+300 | 5,428  | 5.20  | (9,513) | (64) | 
|---- | ------ | ----- | ------- | ---- | 
|+200 | 8,554  | 7.91  | (6,387) | (43) | 
|+100 | 11,722 | 10.46 | (3,220) | (22) | 
|---  | 14,941 | 12.88 | ---     | ---  | 
|-100 | 17,590 | 14.73 | 2,649   | 18   | 
|-200 | 18,980 | 15.61 | 4,039   | 27   | 
|-300 | 20,669 | 16.66 | 5,727   | 38   | 

|Item 1. | Legal Proceedings

None                                  
|------- | ---------------------------------------------------------
|Item 2. | Changes in Securities and use of Proceeds

None          
|Item 3. | Defaults Upon Senior Securities

None                    
|Item 4. | Submission of Matters to a Vote of Security
Holders

None
|Item 5. | Other information 

None                                 
|Item 6. | Exhibits and Reports on Form 8-K                         

| | a. | None |  |  | 
| | -- | ---- |  |  | 
| | b. | None |  |  | 

|                        |                                             
|----------------------- | --------------------------------------------
|Date: November 14, 2000 | By: /s/Kimberly Rooney                      
|                        | Kimberly Rooney                             
|                        | Chief Executive Officer                     
|                        | (Principal Executive Officer)               
|                        |                                             
|Date: November 14, 2000 | By: /s/Jeffrey Przybyl                      
|                        | Jeffrey Przybyl                             
|                        | Chief Financial Officer                     
|                        | (Principal Financial and Accounting Officer)