<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>                                    1,000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                             41
<INT-BEARING-DEPOSITS>                            773
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    22,019     
<INVESTMENTS-CARRYING>                         21,891
<INVESTMENTS-MARKET>                            7,402 
<LOANS>                                        28,739
<ALLOWANCE>                                       266
<TOTAL-ASSETS>                                 60,774
<DEPOSITS>                                     30,508
<SHORT-TERM>                                   15,450
<LIABILITIES-OTHER>                               451
<LONG-TERM>                                     2,300
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          106
<OTHER-SE>                                     14,259
<TOTAL-LIABILITIES-AND-EQUITY>                 60,774
<INTEREST-LOAN>                                   599
<INTEREST-INVEST>                                 505
<INTEREST-OTHER>                                   26
<INTEREST-TOTAL>                                1,130
<INTEREST-DEPOSIT>                                382
<INTEREST-EXPENSE>                                612
<INTEREST-INCOME-NET>                             518
<LOAN-LOSSES>                                       0
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   257
<INCOME-PRETAX>                                   283
<INCOME-PRE-EXTRAORDINARY>                        283
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      190
<EPS-PRIMARY>                                    0.22 <F1>
<EPS-DILUTED>                                    0.22
<YIELD-ACTUAL>                                   3.49
<LOANS-NON>                                       112
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  302
<CHARGE-OFFS>                                      39
<RECOVERIES>                                        3
<ALLOWANCE-CLOSE>                                 266
<ALLOWANCE-DOMESTIC>                              266
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
<FN>
BASIC EPS
</FN>
        


</TABLE>