<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS 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-30-1999
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               JUN-30-1999
<CASH>                                           1,358
<INT-BEARING-DEPOSITS>                           1,254
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     36,292
<INVESTMENTS-CARRYING>                          12,718
<INVESTMENTS-MARKET>                            12,583
<LOANS>                                        189,449
<ALLOWANCE>                                        761
<TOTAL-ASSETS>                                 250,071
<DEPOSITS>                                     168,497
<SHORT-TERM>                                     2,100
<LIABILITIES-OTHER>                              1,914
<LONG-TERM>                                     52,406
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      25,154
<TOTAL-LIABILITIES-AND-EQUITY>                 250,071
<INTEREST-LOAN>                                 10,517
<INTEREST-INVEST>                                2,235
<INTEREST-OTHER>                                   173
<INTEREST-TOTAL>                                12,925
<INTEREST-DEPOSIT>                               6,062
<INTEREST-EXPENSE>                               8,272
<INTEREST-INCOME-NET>                            4,653
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                  47
<EXPENSE-OTHER>                                  3,251
<INCOME-PRETAX>                                  1,741
<INCOME-PRE-EXTRAORDINARY>                       1,149
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,149
<EPS-BASIC>                                        .57
<EPS-DILUTED>                                      .57
<YIELD-ACTUAL>                                    2.58
<LOANS-NON>                                        416
<LOANS-PAST>                                       457
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   676
<CHARGE-OFFS>                                        6
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  761
<ALLOWANCE-DOMESTIC>                               761
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            321


</TABLE>