<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED 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>                                  9-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                               85
<INT-BEARING-DEPOSITS>                            1,678
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      28,425
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                          29,627
<ALLOWANCE>                                         297
<TOTAL-ASSETS>                                   62,050
<DEPOSITS>                                       32,660
<SHORT-TERM>                                     10,600
<LIABILITIES-OTHER>                                 440
<LONG-TERM>                                       4,800
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            106
<OTHER-SE>                                       13,444
<TOTAL-LIABILITIES-AND-EQUITY>                   62,050
<INTEREST-LOAN>                                   1,805
<INTEREST-INVEST>                                 1,301
<INTEREST-OTHER>                                    120
<INTEREST-TOTAL>                                  3,226
<INTEREST-DEPOSIT>                                1,188
<INTEREST-EXPENSE>                                1,796
<INTEREST-INCOME-NET>                             1,430
<LOAN-LOSSES>                                         6
<SECURITIES-GAINS>                                   (2)
<EXPENSE-OTHER>                                     736
<INCOME-PRETAX>                                     759
<INCOME-PRE-EXTRAORDINARY>                          226
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        533
<EPS-BASIC>                                      0.62
<EPS-DILUTED>                                      0.61
<YIELD-ACTUAL>                                     3.07
<LOANS-NON>                                          53
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    284
<CHARGE-OFFS>                                        17
<RECOVERIES>                                         30
<ALLOWANCE-CLOSE>                                   297
<ALLOWANCE-DOMESTIC>                                297
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0



</TABLE>