<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
ANNUAL REPORT ON FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>


<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                             505
<INT-BEARING-DEPOSITS>                           3,400
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           4,652
<INVESTMENTS-MARKET>                               134
<LOANS>                                         31,177
<ALLOWANCE>                                        135
<TOTAL-ASSETS>                                  41,774
<DEPOSITS>                                      35,778
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                554
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            38
<OTHER-SE>                                       5,405
<TOTAL-LIABILITIES-AND-EQUITY>                  41,774
<INTEREST-LOAN>                                  2,295
<INTEREST-INVEST>                                  376
<INTEREST-OTHER>                                    53
<INTEREST-TOTAL>                                 2,724
<INTEREST-DEPOSIT>                               1,380
<INTEREST-EXPENSE>                               1,380
<INTEREST-INCOME-NET>                            1,344
<LOAN-LOSSES>                                       72
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                  1,228
<INCOME-PRETAX>                                    287
<INCOME-PRE-EXTRAORDINARY>                         287
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       198
<EPS-PRIMARY>                                      .57
<EPS-DILUTED>                                      .57
<YIELD-ACTUAL>                                    6.89
<LOANS-NON>                                        290
<LOANS-PAST>                                       290
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    66 
<CHARGE-OFFS>                                        3
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  135
<ALLOWANCE-DOMESTIC>                               135
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>