<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>                                     1,000    
                                     
       
<S>                                           <C>
<PERIOD-TYPE>                                  3-MOS    
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   DEC-31-1997
<CASH>                                            652
<INT-BEARING-DEPOSITS>                            464
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     3,279
<INVESTMENTS-CARRYING>                          3,982
<INVESTMENTS-MARKET>                            3,980
<LOANS>                                        34,150
<ALLOWANCE>                                       355
<TOTAL-ASSETS>                                 40,034
<DEPOSITS>                                     34,992
<SHORT-TERM>                                    1,600
<LIABILITIES-OTHER>                               432
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                            0
<OTHER-SE>                                      3,010
<TOTAL-LIABILITIES-AND-EQUITY>                 40,034
<INTEREST-LOAN>                                   787
<INTEREST-INVEST>                                  63
<INTEREST-OTHER>                                    5
<INTEREST-TOTAL>                                  855
<INTEREST-DEPOSIT>                                512
<INTEREST-EXPENSE>                                533
<INTEREST-INCOME-NET>                             322
<LOAN-LOSSES>                                       9
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   247
<INCOME-PRETAX>                                    82
<INCOME-PRE-EXTRAORDINARY>                         47
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                       47
<EPS-PRIMARY>                                       0
<EPS-DILUTED>                                       0
<YIELD-ACTUAL>                                   3.22
<LOANS-NON>                                        27
<LOANS-PAST>                                      143
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  346
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 355
<ALLOWANCE-DOMESTIC>                              355
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
        


</TABLE>