WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE>                                                     9
<MULTIPLIER>                                                  1,000
<PERIOD START>                                                OCT-01-1998
<PERIOD-TYPE>                                                 12-MOS
<FISCAL-YEAR-END>                                             SEP-30-1999
<PERIOD-END>                                                  SEP-30-1999
<CASH>                                                                   6,741
<INT-BEARING-DEPOSITS>                                                     460
<FED-FUNDS-SOLD>                                                             0
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                                  0
<INVESTMENTS-CARRYING>                                                  14,442
<INVESTMENTS-MARKET>                                                    13,966
<LOANS>                                                                173,196
<ALLOWANCE>                                                              1,236
<TOTAL-ASSETS>                                                         204,296
<DEPOSITS>                                                             173,174
<SHORT-TERM>                                                             8,960
<LIABILITIES-OTHER>                                                      2,337
<LONG-TERM>                                                              2,500
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                 7,198
<OTHER-SE>                                                              10,127
<TOTAL-LIABILITIES-AND-EQUITY>                                          17,325
<INTEREST-LOAN>                                                         14,797
<INTEREST-INVEST>                                                          967
<INTEREST-OTHER>                                                           384
<INTEREST-TOTAL>                                                        16,148
<INTEREST-DEPOSIT>                                                       7,398
<INTEREST-EXPENSE>                                                       7,905
<INTEREST-INCOME-NET>                                                    8,243
<LOAN-LOSSES>                                                              509
<SECURITIES-GAINS>                                                           0
<EXPENSE-OTHER>                                                          6,986
<INCOME-PRETAX>                                                          3,642
<INCOME-PRE-EXTRAORDINARY>                                               3,642
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                             2,220
<EPS-BASIC>                                                             0.31
<EPS-DILUTED>                                                             0.29
<YIELD-ACTUAL>                                                            4.18
<LOANS-NON>                                                              2,009
<LOANS-PAST>                                                                 0
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                          5,996
<ALLOWANCE-OPEN>                                                           969
<CHARGE-OFFS>                                                              299
<RECOVERIES>                                                                57
<ALLOWANCE-CLOSE>                                                        1,236
<ALLOWANCE-DOMESTIC>                                                     1,236
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0


</TABLE>