<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     ANNUAL REPORT ON FORM 10-K 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>                                             172
<INT-BEARING-DEPOSITS>                          27,818
<FED-FUNDS-SOLD>                                 1,473
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          10,145
<INVESTMENTS-MARKET>                            10,187
<LOANS>                                        131,953
<ALLOWANCE>                                        255
<TOTAL-ASSETS>                                 172,705
<DEPOSITS>                                     110,460
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,912
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      60,333
<TOTAL-LIABILITIES-AND-EQUITY>                 172,705
<INTEREST-LOAN>                                 10,448
<INTEREST-INVEST>                                1,702
<INTEREST-OTHER>                                   951
<INTEREST-TOTAL>                                13,101
<INTEREST-DEPOSIT>                               5,609
<INTEREST-EXPENSE>                               5,609
<INTEREST-INCOME-NET>                            7,492
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,128
<INCOME-PRETAX>                                  4,496
<INCOME-PRE-EXTRAORDINARY>                       4,496
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,807
<EPS-PRIMARY>                                      .70
<EPS-DILUTED>                                      .69
<YIELD-ACTUAL>                                    4.37
<LOANS-NON>                                        196
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   255 
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  255
<ALLOWANCE-DOMESTIC>                               255
<ALLOWANCE-FOREIGN>                                  0  
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>