<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>                                               2,342
<INT-BEARING-DEPOSITS>                               2,481
<FED-FUNDS-SOLD>                                        50
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          5,922
<INVESTMENTS-CARRYING>                              31,139
<INVESTMENTS-MARKET>                                31,336
<LOANS>                                            372,369
<ALLOWANCE>                                            918
<TOTAL-ASSETS>                                     427,151
<DEPOSITS>                                         303,905
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  6,086
<LONG-TERM>                                         86,002
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          31,158
<TOTAL-LIABILITIES-AND-EQUITY>                     427,151
<INTEREST-LOAN>                                      7,167
<INTEREST-INVEST>                                      541
<INTEREST-OTHER>                                       169
<INTEREST-TOTAL>                                     7,877
<INTEREST-DEPOSIT>                                   3,834
<INTEREST-EXPENSE>                                   4,888
<INTEREST-INCOME-NET>                                2,989
<LOAN-LOSSES>                                           23
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      2,079
<INCOME-PRETAX>                                      1,724
<INCOME-PRE-EXTRAORDINARY>                           1,133
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,133
<EPS-BASIC>                                            .26
<EPS-DILUTED>                                          .25
<YIELD-ACTUAL>                                        2.96
<LOANS-NON>                                          1,244
<LOANS-PAST>                                           196
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       916
<CHARGE-OFFS>                                           21
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      918
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                918



</TABLE>