<TABLE> <S> <C>

<ARTICLE>                                            9
<CURRENCY>                                           1
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              Sep-30-1999
<PERIOD-END>                                   Dec-31-1998
<EXCHANGE-RATE>                                          1
<CASH>                                          $3,247,224
<INT-BEARING-DEPOSITS>                             615,036
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     14,081,162
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                         51,404,655
<ALLOWANCE>                                      1,245,958
<TOTAL-ASSETS>                                  70,305,828
<DEPOSITS>                                      61,074,199
<SHORT-TERM>                                     4,463,225
<LIABILITIES-OTHER>                                234,326
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         6,059,085
<OTHER-SE>                                       3,165,905
<TOTAL-LIABILITIES-AND-EQUITY>                           0
<INTEREST-LOAN>                                  1,102,802
<INTEREST-INVEST>                                  184,057
<INTEREST-OTHER>                                    31,918
<INTEREST-TOTAL>                                 1,318,776
<INTEREST-DEPOSIT>                                 599,993
<INTEREST-EXPENSE>                                 645,485
<INTEREST-INCOME-NET>                              673,291
<LOAN-LOSSES>                                        4,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                    551,948
<INCOME-PRETAX>                                    175,379
<INCOME-PRE-EXTRAORDINARY>                         175,379
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       104,479
<EPS-PRIMARY>                                         0.17
<EPS-DILUTED>                                         0.16
<YIELD-ACTUAL>                                        7.90
<LOANS-NON>                                      1,061,390
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                   456,826
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 1,495,756
<CHARGE-OFFS>                                      262,164
<RECOVERIES>                                         8,366
<ALLOWANCE-CLOSE>                                1,245,958
<ALLOWANCE-DOMESTIC>                             1,245,958
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        

</TABLE>