<TABLE> <S> <C>


<ARTICLE>                                                               9
<MULTIPLIER>                                                        1,000

<S>                                                                   <C>
<PERIOD-TYPE>                                                       9-MOS
<FISCAL-YEAR-END>                                             SEP-30-1999
<PERIOD-START>                                                OCT-01-1999
<PERIOD-END>                                                  JUN-30-1999
<CASH>                                                                497
<INT-BEARING-DEPOSITS>                                              2,598
<FED-FUNDS-SOLD>                                                        0
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                           113
<INVESTMENTS-CARRYING>                                              2,018
<INVESTMENTS-MARKET>                                                2,007
<LOANS>                                                            35,359
<ALLOWANCE>                                                           228
<TOTAL-ASSETS>                                                     41,716
<DEPOSITS>                                                         36,153
<SHORT-TERM>                                                            0
<LIABILITIES-OTHER>                                                   122
<LONG-TERM>                                                           300
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<COMMON>                                                                0
<OTHER-SE>                                                          5,141
<TOTAL-LIABILITIES-AND-EQUITY>                                     41,716
<INTEREST-LOAN>                                                     2,174
<INTEREST-INVEST>                                                     196
<INTEREST-OTHER>                                                        0
<INTEREST-TOTAL>                                                    2,370
<INTEREST-DEPOSIT>                                                  1,146
<INTEREST-EXPENSE>                                                  1,195
<INTEREST-INCOME-NET>                                               1,175
<LOAN-LOSSES>                                                          27
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                       823
<INCOME-PRETAX>                                                       389
<INCOME-PRE-EXTRAORDINARY>                                            257
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                          257
<EPS-BASIC>                                                        0.57
<EPS-DILUTED>                                                        0.55
<YIELD-ACTUAL>                                                       4.00
<LOANS-NON>                                                             0
<LOANS-PAST>                                                            0
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                      201
<CHARGE-OFFS>                                                           0
<RECOVERIES>                                                            0
<ALLOWANCE-CLOSE>                                                     228
<ALLOWANCE-DOMESTIC>                                                    0
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                               228



</TABLE>