<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                              3-MOS
<FISCAL-YEAR-END>                                                    SEP-30-1999
<PERIOD-START>                                                       OCT-01-1998
<PERIOD-END>                                                         DEC-31-1998
<CASH>                                                                       516
<INT-BEARING-DEPOSITS>                                                       314
<FED-FUNDS-SOLD>                                                           4,477
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                1,881
<INVESTMENTS-CARRYING>                                                    14,393
<INVESTMENTS-MARKET>                                                      14,452
<LOANS>                                                                   32,953
<ALLOWANCE>                                                                   52
<TOTAL-ASSETS>                                                            56,004
<DEPOSITS>                                                                38,671
<SHORT-TERM>                                                                 822
<LIABILITIES-OTHER>                                                        1,154
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                15,357
<TOTAL-LIABILITIES-AND-EQUITY>                                            56,004
<INTEREST-LOAN>                                                              642
<INTEREST-INVEST>                                                            183
<INTEREST-OTHER>                                                             119
<INTEREST-TOTAL>                                                             944
<INTEREST-DEPOSIT>                                                           460
<INTEREST-EXPENSE>                                                           476
<INTEREST-INCOME-NET>                                                        468
<LOAN-LOSSES>                                                                  0
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                              350
<INCOME-PRETAX>                                                              121
<INCOME-PRE-EXTRAORDINARY>                                                    80
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                  80
<EPS-PRIMARY>                                                                .06
<EPS-DILUTED>                                                                .06
<YIELD-ACTUAL>                                                              3.50
<LOANS-NON>                                                                    0
<LOANS-PAST>                                                                 172
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                              52
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                             52
<ALLOWANCE-DOMESTIC>                                                           2
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                       50
        


</TABLE>