<TABLE> <S> <C>


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<MULTIPLIER>                                        1,000
       
<S>                                                <C>
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-START>                                 OCT-01-1997
<PERIOD-END>                                   JUN-30-1998
<CASH>                                                 435
<INT-BEARING-DEPOSITS>                               2,028
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                            141
<INVESTMENTS-CARRYING>                               2,894
<INVESTMENTS-MARKET>                                 2,928
<LOANS>                                             30,097
<ALLOWANCE>                                            193
<TOTAL-ASSETS>                                      36,502
<DEPOSITS>                                          31,213
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    162
<LONG-TERM>                                            300
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                           4,827
<TOTAL-LIABILITIES-AND-EQUITY>                      36,502
<INTEREST-LOAN>                                      1,916
<INTEREST-INVEST>                                      162
<INTEREST-OTHER>                                       125
<INTEREST-TOTAL>                                     2,203
<INTEREST-DEPOSIT>                                   1,115
<INTEREST-EXPENSE>                                   1,155
<INTEREST-INCOME-NET>                                1,048
<LOAN-LOSSES>                                           14
<SECURITIES-GAINS>                                      75
<EXPENSE-OTHER>                                        692
<INCOME-PRETAX>                                        461
<INCOME-PRE-EXTRAORDINARY>                             304
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           304
<EPS-PRIMARY>                                          .64
<EPS-DILUTED>                                          .62
<YIELD-ACTUAL>                                        3.84
<LOANS-NON>                                            199
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       187
<CHARGE-OFFS>                                            9
<RECOVERIES>                                             1
<ALLOWANCE-CLOSE>                                      193
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                193
        


</TABLE>