<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-START>                             OCT-01-1997
<PERIOD-END>                               JUN-30-1998
<CASH>                                             364
<INT-BEARING-DEPOSITS>                           2,309
<FED-FUNDS-SOLD>                                 3,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     45,191
<INVESTMENTS-CARRYING>                          15,310
<INVESTMENTS-MARKET>                            15,277
<LOANS>                                        160,139
<ALLOWANCE>                                        651
<TOTAL-ASSETS>                                 235,105
<DEPOSITS>                                     152,983
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,761
<LONG-TERM>                                     54,332
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      26,029
<TOTAL-LIABILITIES-AND-EQUITY>                 235,105
<INTEREST-LOAN>                                  8,708
<INTEREST-INVEST>                                3,186
<INTEREST-OTHER>                                   168
<INTEREST-TOTAL>                                12,062
<INTEREST-DEPOSIT>                               5,630
<INTEREST-EXPENSE>                               7,648
<INTEREST-INCOME-NET>                            4,415
<LOAN-LOSSES>                                      194
<SECURITIES-GAINS>                                 175
<EXPENSE-OTHER>                                  3,099
<INCOME-PRETAX>                                  1,766
<INCOME-PRE-EXTRAORDINARY>                       1,154
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,154
<EPS-PRIMARY>                                      .56
<EPS-DILUTED>                                      .55
<YIELD-ACTUAL>                                    2.72
<LOANS-NON>                                        372
<LOANS-PAST>                                       589
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   562
<CHARGE-OFFS>                                      105
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  651
<ALLOWANCE-DOMESTIC>                               651
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            291
        

</TABLE>