<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>                                              835
<INT-BEARING-DEPOSITS>                            2,383
<FED-FUNDS-SOLD>                                  5,263
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      20,122
<INVESTMENTS-CARRYING>                           33,747
<INVESTMENTS-MARKET>                             32,289
<LOANS>                                          86,682
<ALLOWANCE>                                         319
<TOTAL-ASSETS>                                  153,064
<DEPOSITS>                                      112,436
<SHORT-TERM>                                      6,000
<LIABILITIES-OTHER>                               2,020
<LONG-TERM>                                      17,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            135
<OTHER-SE>                                       15,472
<TOTAL-LIABILITIES-AND-EQUITY>                  153,064
<INTEREST-LOAN>                                   4,621
<INTEREST-INVEST>                                 2,475
<INTEREST-OTHER>                                    409
<INTEREST-TOTAL>                                  7,505
<INTEREST-DEPOSIT>                                3,780
<INTEREST-EXPENSE>                                4,657
<INTEREST-INCOME-NET>                             2,847
<LOAN-LOSSES>                                        45
<SECURITIES-GAINS>                                    4
<EXPENSE-OTHER>                                   2,094
<INCOME-PRETAX>                                     891
<INCOME-PRE-EXTRAORDINARY>                          891
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        539
<EPS-BASIC>                                       .44
<EPS-DILUTED>                                       .44
<YIELD-ACTUAL>                                     2.24
<LOANS-NON>                                         223
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    301
<CHARGE-OFFS>                                        28
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                   319
<ALLOWANCE-DOMESTIC>                                319
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0



</TABLE>