<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     ANNUAL  REPORT ON FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           1,179
<INT-BEARING-DEPOSITS>                           9,849
<FED-FUNDS-SOLD>                                 3,394
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,191
<INVESTMENTS-CARRYING>                          21,876
<INVESTMENTS-MARKET>                            22,166
<LOANS>                                         75,358
<ALLOWANCE>                                        301
<TOTAL-ASSETS>                                 132,876
<DEPOSITS>                                      95,066
<SHORT-TERM>                                     9,000
<LIABILITIES-OTHER>                                631
<LONG-TERM>                                     11,937
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           139
<OTHER-SE>                                      16,104
<TOTAL-LIABILITIES-AND-EQUITY>                 132,876
<INTEREST-LOAN>                                  6,012
<INTEREST-INVEST>                                1,783
<INTEREST-OTHER>                                   645
<INTEREST-TOTAL>                                 8,439
<INTEREST-DEPOSIT>                               3,940
<INTEREST-EXPENSE>                               4,652
<INTEREST-INCOME-NET>                            3,787
<LOAN-LOSSES>                                      195
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                  2,867
<INCOME-PRETAX>                                  1,140
<INCOME-PRE-EXTRAORDINARY>                       1,140
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       681
<EPS-PRIMARY>                                      .55
<EPS-DILUTED>                                      .51
<YIELD-ACTUAL>                                    2.58
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   250
<CHARGE-OFFS>                                      144
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  301
<ALLOWANCE-DOMESTIC>                               301
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>