<TABLE> <S> <C>

<ARTICLE>              9
<MULTIPLIER>           1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                             675
<INT-BEARING-DEPOSITS>                             224
<FED-FUNDS-SOLD>                                 1,747
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,010
<INVESTMENTS-CARRYING>                          13,970<F1>
<INVESTMENTS-MARKET>                            13,587
<LOANS>                                         35,860
<ALLOWANCE>                                         52
<TOTAL-ASSETS>                                  55,492
<DEPOSITS>                                      40,021
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                886
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      14,585<F2>
<TOTAL-LIABILITIES-AND-EQUITY>                  55,492
<INTEREST-LOAN>                                    674
<INTEREST-INVEST>                                  244<F3>
<INTEREST-OTHER>                                    29
<INTEREST-TOTAL>                                   947
<INTEREST-DEPOSIT>                                 454
<INTEREST-EXPENSE>                                 454
<INTEREST-INCOME-NET>                              493
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    370
<INCOME-PRETAX>                                    126
<INCOME-PRE-EXTRAORDINARY>                          83
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        83
<EPS-BASIC>                                        .07
<EPS-DILUTED>                                      .07
<YIELD-ACTUAL>                                    3.72
<LOANS-NON>                                          0
<LOANS-PAST>                                       300
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    52
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   52
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             52
<FN>
<F1> Includes certificates of deposit.
<F2> Includes net unrealized gains on securities, additional paid-in-capital
     and shares acquired by stock benefit plans.
<F3> Includes interest from mortgage-backed securities.
</FN>


</TABLE>