<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>                                   1,000
       
<S>                                           <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                             605
<INT-BEARING-DEPOSITS>                          19,405
<FED-FUNDS-SOLD>                                 3,257
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          17,689
<INVESTMENTS-MARKET>                            17,686
<LOANS>                                        131,324
<ALLOWANCE>                                        255
<TOTAL-ASSETS>                                 173,265
<DEPOSITS>                                     110,201
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,600
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      60,463
<TOTAL-LIABILITIES-AND-EQUITY>                 173,265
<INTEREST-LOAN>                                  7,859
<INTEREST-INVEST>                                2,049
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 9,908
<INTEREST-DEPOSIT>                               4,221
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                            5,688
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,449
<INCOME-PRETAX>                                  3,337
<INCOME-PRE-EXTRAORDINARY>                       3,337
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,082
<EPS-PRIMARY>                                      .51
<EPS-DILUTED>                                      .50
<YIELD-ACTUAL>                                    4.14
<LOANS-NON>                                         83
<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>