<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-30-1999
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                             858
<INT-BEARING-DEPOSITS>                             128
<FED-FUNDS-SOLD>                                   200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     41,918
<INVESTMENTS-CARRYING>                          13,970
<INVESTMENTS-MARKET>                            13,972
<LOANS>                                        183,433
<ALLOWANCE>                                        706
<TOTAL-ASSETS>                                 249,052
<DEPOSITS>                                     166,975
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,788
<LONG-TERM>                                     53,306
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      25,983
<TOTAL-LIABILITIES-AND-EQUITY>                 249,052
<INTEREST-LOAN>                                  3,402
<INTEREST-INVEST>                                  738
<INTEREST-OTHER>                                    75
<INTEREST-TOTAL>                                 4,215
<INTEREST-DEPOSIT>                               2,036
<INTEREST-EXPENSE>                               2,761
<INTEREST-INCOME-NET>                            1,454
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,108
<INCOME-PRETAX>                                    473
<INCOME-PRE-EXTRAORDINARY>                         311
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       311
<EPS-PRIMARY>                                      .15
<EPS-DILUTED>                                      .15
<YIELD-ACTUAL>                                    2.44
<LOANS-NON>                                        428
<LOANS-PAST>                                       393
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   676
<CHARGE-OFFS>                                       30
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  706
<ALLOWANCE-DOMESTIC>                               706
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            311
        

</TABLE>