<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>


<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                             95
<INT-BEARING-DEPOSITS>                          1,118
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    29,161
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                        30,416
<ALLOWANCE>                                       288
<TOTAL-ASSETS>                                 62,701
<DEPOSITS>                                     32,760
<SHORT-TERM>                                   11,500
<LIABILITIES-OTHER>                               616
<LONG-TERM>                                     3,600
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          106
<OTHER-SE>                                     14,119
<TOTAL-LIABILITIES-AND-EQUITY>                 62,701
<INTEREST-LOAN>                                   613
<INTEREST-INVEST>                                 423
<INTEREST-OTHER>                                   53
<INTEREST-TOTAL>                                1,089
<INTEREST-DEPOSIT>                                403
<INTEREST-EXPENSE>                                605
<INTEREST-INCOME-NET>                             484
<LOAN-LOSSES>                                       6
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   242
<INCOME-PRETAX>                                   262
<INCOME-PRE-EXTRAORDINARY>                        262
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      182
<EPS-PRIMARY>                                    0.21
<EPS-DILUTED>                                    0.21
<YIELD-ACTUAL>                                   3.18
<LOANS-NON>                                       256
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                   21
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  284
<CHARGE-OFFS>                                       5
<RECOVERIES>                                        3
<ALLOWANCE-CLOSE>                                 282
<ALLOWANCE-DOMESTIC>                              282 
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
                                                 


</TABLE>