<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                              3-MOS
<FISCAL-YEAR-END>                                                    SEP-30-1999
<PERIOD-START>                                                       OCT-01-1998
<PERIOD-END>                                                         DEC-31-1998
<CASH>                                                                     1,478
<INT-BEARING-DEPOSITS>                                                     1,306
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                5,922
<INVESTMENTS-CARRYING>                                                    27,495
<INVESTMENTS-MARKET>                                                      27,692
<LOANS>                                                                  324,701
<ALLOWANCE>                                                                  865
<TOTAL-ASSETS>                                                           371,892
<DEPOSITS>                                                               264,186
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        5,177
<LONG-TERM>                                                               74,882
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                27,647
<TOTAL-LIABILITIES-AND-EQUITY>                                           371,892
<INTEREST-LOAN>                                                            6,275
<INTEREST-INVEST>                                                            488
<INTEREST-OTHER>                                                             136
<INTEREST-TOTAL>                                                           6,899
<INTEREST-DEPOSIT>                                                         3,355
<INTEREST-EXPENSE>                                                         4,258
<INTEREST-INCOME-NET>                                                      2,641
<LOAN-LOSSES>                                                                 23
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            1,769
<INCOME-PRETAX>                                                            1,671
<INCOME-PRE-EXTRAORDINARY>                                                 1,100
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               1,100
<EPS-PRIMARY>                                                                .27
<EPS-DILUTED>                                                                .26
<YIELD-ACTUAL>                                                              3.01
<LOANS-NON>                                                                1,172
<LOANS-PAST>                                                                 180
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             842
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            865
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      865
        


</TABLE>