<TABLE> <S> <C>


<ARTICLE>                                                                9
<MULTIPLIER>                                                         1,000

<S>                                                                    <C>
<PERIOD-TYPE>                                                        9-MOS
<FISCAL-YEAR-END>                                              SEP-30-1999
<PERIOD-START>                                                 OCT-01-1998
<PERIOD-END>                                                   JUN-30-1999
<CASH>                                                                 629
<INT-BEARING-DEPOSITS>                                                 385
<FED-FUNDS-SOLD>                                                     2,848
<TRADING-ASSETS>                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                          1,244
<INVESTMENTS-CARRYING>                                              13,996
<INVESTMENTS-MARKET>                                                13,816
<LOANS>                                                             34,497
<ALLOWANCE>                                                             52
<TOTAL-ASSETS>                                                      55,295
<DEPOSITS>                                                          39,683
<SHORT-TERM>                                                             0
<LIABILITIES-OTHER>                                                    885
<LONG-TERM>                                                              0
<PREFERRED-MANDATORY>                                                    0
<PREFERRED>                                                              0
<COMMON>                                                                 0
<OTHER-SE>                                                          14,727
<TOTAL-LIABILITIES-AND-EQUITY>                                      55,295
<INTEREST-LOAN>                                                      1,913
<INTEREST-INVEST>                                                      573
<INTEREST-OTHER>                                                       296
<INTEREST-TOTAL>                                                     2,782
<INTEREST-DEPOSIT>                                                   1,346
<INTEREST-EXPENSE>                                                   1,368
<INTEREST-INCOME-NET>                                                1,414
<LOAN-LOSSES>                                                            0
<SECURITIES-GAINS>                                                     463
<EXPENSE-OTHER>                                                      1,015
<INCOME-PRETAX>                                                        871
<INCOME-PRE-EXTRAORDINARY>                                             575
<EXTRAORDINARY>                                                          0
<CHANGES>                                                                0
<NET-INCOME>                                                           575
<EPS-BASIC>                                                          .47
<EPS-DILUTED>                                                          .47
<YIELD-ACTUAL>                                                        3.54
<LOANS-NON>                                                              0
<LOANS-PAST>                                                           173
<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



</TABLE>