<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE UNAUDITED FINANCIAL
STATEMENTS CONTAINED THEREIN.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          15,994
<INT-BEARING-DEPOSITS>                          18,449
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     71,175
<INVESTMENTS-CARRYING>                          56,987
<INVESTMENTS-MARKET>                            56,471
<LOANS>                                        267,540
<ALLOWANCE>                                      1,734
<TOTAL-ASSETS>                                 443,402
<DEPOSITS>                                     311,660
<SHORT-TERM>                                     3,223
<LIABILITIES-OTHER>                              4,038
<LONG-TERM>                                     40,507
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            64
<OTHER-SE>                                      83,910
<TOTAL-LIABILITIES-AND-EQUITY>                 443,402
<INTEREST-LOAN>                                  5,258
<INTEREST-INVEST>                                1,168
<INTEREST-OTHER>                                   688
<INTEREST-TOTAL>                                 7,114
<INTEREST-DEPOSIT>                               3,084
<INTEREST-EXPENSE>                               3,713
<INTEREST-INCOME-NET>                            3,401
<LOAN-LOSSES>                                    (219)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,233
<INCOME-PRETAX>                                (3,877)
<INCOME-PRE-EXTRAORDINARY>                     (3,877)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (2,491)
<EPS-PRIMARY>                                    (.42)
<EPS-DILUTED>                                    (.42)
<YIELD-ACTUAL>                                    7.49
<LOANS-NON>                                        702
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   112
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,272
<CHARGE-OFFS>                                     (27)
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                1,734<F1>
<ALLOWANCE-DOMESTIC>                             1,245
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            489<F2>
<FN>
<F1>ALLOWANCE FOR LOANS LOSS AT END OF PERIOD INCLUDES AN INCREASE IN THE ALLOWANCE
THROUGH THE PROVISION FOR LOAN LOSSES.
<F2>ALL UNALLOCATED IS FOR DOMESTIC LOANS.
</FN>
        

</TABLE>