<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>



<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                             499
<INT-BEARING-DEPOSITS>                           1,490
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,849
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         37,125
<ALLOWANCE>                                        380
<TOTAL-ASSETS>                                  46,844
<DEPOSITS>                                      36,488
<SHORT-TERM>                                     1,000
<LIABILITIES-OTHER>                                452
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            66
<OTHER-SE>                                       8,838
<TOTAL-LIABILITIES-AND-EQUITY>                  46,844
<INTEREST-LOAN>                                    843
<INTEREST-INVEST>                                   89
<INTEREST-OTHER>                                     6
<INTEREST-TOTAL>                                   938
<INTEREST-DEPOSIT>                                 519
<INTEREST-EXPENSE>                                  10
<INTEREST-INCOME-NET>                              409
<LOAN-LOSSES>                                       10
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                    273
<INCOME-PRETAX>                                    141
<INCOME-PRE-EXTRAORDINARY>                          89
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        89
<EPS-PRIMARY>                                      .15
<EPS-DILUTED>                                      .15
<YIELD-ACTUAL>                                    2.67
<LOANS-NON>                                        332
<LOANS-PAST>                                       637
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   370
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  380
<ALLOWANCE-DOMESTIC>                               380
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>