<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED 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>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                           1,883
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,673
<INVESTMENTS-CARRYING>                           4,022
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         38,832
<ALLOWANCE>                                        176
<TOTAL-ASSETS>                                  56,028
<DEPOSITS>                                      42,490
<SHORT-TERM>                                     6,368
<LIABILITIES-OTHER>                                538
<LONG-TERM>                                      1,345
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            38
<OTHER-SE>                                       5,249
<TOTAL-LIABILITIES-AND-EQUITY>                  56,028
<INTEREST-LOAN>                                  2,809
<INTEREST-INVEST>                                  554
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,363
<INTEREST-DEPOSIT>                               1,442
<INTEREST-EXPENSE>                                 193
<INTEREST-INCOME-NET>                            1,668
<LOAN-LOSSES>                                       61
<SECURITIES-GAINS>                                   3
<EXPENSE-OTHER>                                  1,570
<INCOME-PRETAX>                                    333
<INCOME-PRE-EXTRAORDINARY>                         333
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       224
<EPS-BASIC>                                      .66
<EPS-DILUTED>                                      .66
<YIELD-ACTUAL>                                    3.65
<LOANS-NON>                                        404
<LOANS-PAST>                                       120
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   135
<CHARGE-OFFS>                                        5
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  176
<ALLOWANCE-DOMESTIC>                               176
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>