<TABLE> <S> <C>


<ARTICLE>                                                                      9
<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>                                                                       471
<INT-BEARING-DEPOSITS>                                                     3,177
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                  121
<INVESTMENTS-CARRYING>                                                     2,474
<INVESTMENTS-MARKET>                                                       2,488
<LOANS>                                                                   32,952
<ALLOWANCE>                                                                  210
<TOTAL-ASSETS>                                                            40,135
<DEPOSITS>                                                                33,658
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                          249
<LONG-TERM>                                                                1,300
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                 4,928
<TOTAL-LIABILITIES-AND-EQUITY>                                            40,135
<INTEREST-LOAN>                                                              720
<INTEREST-INVEST>                                                             40
<INTEREST-OTHER>                                                              33
<INTEREST-TOTAL>                                                             793
<INTEREST-DEPOSIT>                                                           380
<INTEREST-EXPENSE>                                                           409
<INTEREST-INCOME-NET>                                                        384
<LOAN-LOSSES>                                                                  9
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                              254
<INCOME-PRETAX>                                                              141
<INCOME-PRE-EXTRAORDINARY>                                                    93
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                  93
<EPS-PRIMARY>                                                                .21
<EPS-DILUTED>                                                                .20
<YIELD-ACTUAL>                                                              4.04
<LOANS-NON>                                                                    0
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             201
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            210
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      210
        


</TABLE>