<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>                                   1000
       
<S>                                           <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   DEC-31-1998
<CASH>                                              11    
<INT-BEARING-DEPOSITS>                           2,654
<FED-FUNDS-SOLD>                                 4,922
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     17,202 
<INVESTMENTS-CARRYING>                          30,161
<INVESTMENTS-MARKET>                            30,191
<LOANS>                                         77,842
<ALLOWANCE>                                        307
<TOTAL-ASSETS>                                 138,691
<DEPOSITS>                                     100,470
<SHORT-TERM>                                     6,000
<LIABILITIES-OTHER>                              1,174
<LONG-TERM>                                     14,937
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           138
<OTHER-SE>                                      15,972
<TOTAL-LIABILITIES-AND-EQUITY>                 138,691
<INTEREST-LOAN>                                  1,475
<INTEREST-INVEST>                                  702
<INTEREST-OTHER>                                   351
<INTEREST-TOTAL>                                 2,356
<INTEREST-DEPOSIT>                               1,163
<INTEREST-EXPENSE>                               1,456
<INTEREST-INCOME-NET>                              900
<LOAN-LOSSES>                                       15
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    721
<INCOME-PRETAX>                                    263
<INCOME-PRE-EXTRAORDINARY>                         263
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       161
<EPS-PRIMARY>                                      .13
<EPS-DILUTED>                                      .13
<YIELD-ACTUAL>                                    2.22
<LOANS-NON>                                         66
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   301
<CHARGE-OFFS>                                        9
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  307
<ALLOWANCE-DOMESTIC>                               307
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>