<TABLE> <S> <C>



<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   DEC-31-1997
<CASH>                                                 243
<INT-BEARING-DEPOSITS>                              24,139
<FED-FUNDS-SOLD>                                     3,140
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                              20,671
<INVESTMENTS-MARKET>                                20,690
<LOANS>                                            130,488
<ALLOWANCE>                                            255
<TOTAL-ASSETS>                                     179,700
<DEPOSITS>                                         114,348
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  2,046
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          41,872
<TOTAL-LIABILITIES-AND-EQUITY>                     179,700
<INTEREST-LOAN>                                      2,624
<INTEREST-INVEST>                                      718
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     3,342
<INTEREST-DEPOSIT>                                   1,460
<INTEREST-EXPENSE>                                   1,460
<INTEREST-INCOME-NET>                                1,882
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        807
<INCOME-PRETAX>                                      1,095
<INCOME-PRE-EXTRAORDINARY>                             689
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           689
<EPS-PRIMARY>                                          .17
<EPS-DILUTED>                                          .17
<YIELD-ACTUAL>                                        4.22
<LOANS-NON>                                            129
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       255
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      255
<ALLOWANCE-DOMESTIC>                                   255
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>