<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q 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>                                             668
<INT-BEARING-DEPOSITS>                          32,168
<FED-FUNDS-SOLD>                                 3,930
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           4,145
<INVESTMENTS-MARKET>                             4,167
<LOANS>                                        129,868
<ALLOWANCE>                                        255
<TOTAL-ASSETS>                                 171,721
<DEPOSITS>                                     109,133
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,993
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      60,595
<TOTAL-LIABILITIES-AND-EQUITY>                 171,721
<INTEREST-LOAN>                                  2,574
<INTEREST-INVEST>                                  524
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,098
<INTEREST-DEPOSIT>                               1,347
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                            1,751
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    771
<INCOME-PRETAX>                                  1,018
<INCOME-PRE-EXTRAORDINARY>                       1,018
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       643
<EPS-PRIMARY>                                      .17
<EPS-DILUTED>                                      .17
<YIELD-ACTUAL>                                    4.13
<LOANS-NON>                                        127
<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>