<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
The schedule contains summary financial information quarterly report on Form
10-Q for the fiscal quarter and is qualified in its entirety by reference to
such a Legend.
</LEGEND>
<MULTIPLIER>                                         1
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-START>                              OCT-1-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                       1,609,697
<INT-BEARING-DEPOSITS>                       6,240,126
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    733,141
<INVESTMENTS-CARRYING>                      10,870,461
<INVESTMENTS-MARKET>                        11,287,496
<LOANS>                                     86,485,035
<ALLOWANCE>                                    109,360
<TOTAL-ASSETS>                             107,747,242
<DEPOSITS>                                  77,944,975
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            942,498
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,476
<OTHER-SE>                                  28,839,293
<TOTAL-LIABILITIES-AND-EQUITY>             107,747,242
<INTEREST-LOAN>                              1,708,010
<INTEREST-INVEST>                              309,882
<INTEREST-OTHER>                                42,974
<INTEREST-TOTAL>                             2,060,866
<INTEREST-DEPOSIT>                             987,808
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                        1,073,058
<LOAN-LOSSES>                                    3,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                486,264
<INCOME-PRETAX>                                673,147
<INCOME-PRE-EXTRAORDINARY>                     673,147
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   399,742
<EPS-PRIMARY>                                      .22
<EPS-DILUTED>                                      .22
<YIELD-ACTUAL>                                    4.05
<LOANS-NON>                                          0
<LOANS-PAST>                                   372,793
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                179,162
<ALLOWANCE-OPEN>                               106,360
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              109,360
<ALLOWANCE-DOMESTIC>                           109,360
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>