<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-START>                             OCT-01-1997
<PERIOD-END>                               SEP-30-1998
<CASH>                                           1,050
<INT-BEARING-DEPOSITS>                             328
<FED-FUNDS-SOLD>                                 2,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     36,912
<INVESTMENTS-CARRYING>                          14,560
<INVESTMENTS-MARKET>                            14,528
<LOANS>                                        171,346
<ALLOWANCE>                                        676
<TOTAL-ASSETS>                                 235,276
<DEPOSITS>                                     154,647
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,915
<LONG-TERM>                                     52,430
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      26,283
<TOTAL-LIABILITIES-AND-EQUITY>                 235,276
<INTEREST-LOAN>                                 11,937
<INTEREST-INVEST>                                4,044
<INTEREST-OTHER>                                   238
<INTEREST-TOTAL>                                16,219
<INTEREST-DEPOSIT>                               7,574
<INTEREST-EXPENSE>                              10,348
<INTEREST-INCOME-NET>                            5,871
<LOAN-LOSSES>                                      229
<SECURITIES-GAINS>                                 248
<EXPENSE-OTHER>                                  4,146
<INCOME-PRETAX>                                  2,292
<INCOME-PRE-EXTRAORDINARY>                       1,502
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,502
<EPS-PRIMARY>                                      .72
<EPS-DILUTED>                                      .71
<YIELD-ACTUAL>                                    2.68
<LOANS-NON>                                        359
<LOANS-PAST>                                       742
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   562
<CHARGE-OFFS>                                      115
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  672
<ALLOWANCE-DOMESTIC>                               672
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            315
        

</TABLE>