<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>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1998
<PERIOD-START>                             OCT-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                             671
<INT-BEARING-DEPOSITS>                             126
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     51,258
<INVESTMENTS-CARRYING>                          20,616
<INVESTMENTS-MARKET>                            20,511
<LOANS>                                        138,223
<ALLOWANCE>                                        485
<TOTAL-ASSETS>                                 218,966
<DEPOSITS>                                     144,918
<SHORT-TERM>                                     3,000
<LIABILITIES-OTHER>                              1,619
<LONG-TERM>                                     43,512
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      25,917
<TOTAL-LIABILITIES-AND-EQUITY>                 218,966
<INTEREST-LOAN>                                  2,705
<INTEREST-INVEST>                                1,174
<INTEREST-OTHER>                                    47
<INTEREST-TOTAL>                                 3,926
<INTEREST-DEPOSIT>                               1,842
<INTEREST-EXPENSE>                               2,470
<INTEREST-INCOME-NET>                            1,456
<LOAN-LOSSES>                                       24
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,065
<INCOME-PRETAX>                                    446
<INCOME-PRE-EXTRAORDINARY>                         446
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       291
<EPS-PRIMARY>                                      .14
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                    2.77
<LOANS-NON>                                        199
<LOANS-PAST>                                       380
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   562
<CHARGE-OFFS>                                      101
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  485
<ALLOWANCE-DOMESTIC>                               485
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            283
        

</TABLE>