<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED 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>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                           1,312
<INT-BEARING-DEPOSITS>                           3,689
<FED-FUNDS-SOLD>                                 2,290
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     19,701
<INVESTMENTS-CARRYING>                          33,633
<INVESTMENTS-MARKET>                            31,842
<LOANS>                                         89,931
<ALLOWANCE>                                        345
<TOTAL-ASSETS>                                 154,923
<DEPOSITS>                                     115,302
<SHORT-TERM>                                     4,000
<LIABILITIES-OTHER>                                703
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           129
<OTHER-SE>                                      14,788
<TOTAL-LIABILITIES-AND-EQUITY>                 154,923
<INTEREST-LOAN>                                  6,272
<INTEREST-INVEST>                                3,406
<INTEREST-OTHER>                                   495
<INTEREST-TOTAL>                                10,172
<INTEREST-DEPOSIT>                               5,160
<INTEREST-EXPENSE>                               6,353
<INTEREST-INCOME-NET>                            3,819
<LOAN-LOSSES>                                       70
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  2,790
<INCOME-PRETAX>                                  1,222
<INCOME-PRE-EXTRAORDINARY>                       1,222
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       732
<EPS-BASIC>                                      .60
<EPS-DILUTED>                                      .60
<YIELD-ACTUAL>                                    2.24
<LOANS-NON>                                        163
<LOANS-PAST>                                        38
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   301
<CHARGE-OFFS>                                       27
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  345
<ALLOWANCE-DOMESTIC>                               345
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>