<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>                                 1,000      
       
<S>                                           <C>
<PERIOD-TYPE>                                 9-MOS
<FISCAL-YEAR-END>                             SEP-30-1998
<PERIOD-END>                                  JUN-30-1998
<CASH>                                            986
<INT-BEARING-DEPOSITS>                          3,255
<FED-FUNDS-SOLD>                                3,822
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    17,995
<INVESTMENTS-CARRYING>                         23,569
<INVESTMENTS-MARKET>                           23,576
<LOANS>                                        76,519
<ALLOWANCE>                                       354
<TOTAL-ASSETS>                                131,967
<DEPOSITS>                                     89,844
<SHORT-TERM>                                    9,000
<LIABILITIES-OTHER>                             1,951
<LONG-TERM>                                    11,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          139
<OTHER-SE>                                     20,034
<TOTAL-LIABILITIES-AND-EQUITY>                131,967
<INTEREST-LOAN>                                 4,530
<INTEREST-INVEST>                               1,077
<INTEREST-OTHER>                                  458
<INTEREST-TOTAL>                                6,065
<INTEREST-DEPOSIT>                              2,825
<INTEREST-EXPENSE>                                421
<INTEREST-INCOME-NET>                           2,819
<LOAN-LOSSES>                                     180
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 1,954
<INCOME-PRETAX>                                   779
<INCOME-PRE-EXTRAORDINARY>                        779
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      470
<EPS-PRIMARY>                                     .38
<EPS-DILUTED>                                     .37
<YIELD-ACTUAL>                                   2.67
<LOANS-NON>                                       776
<LOANS-PAST>                                       81
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  250
<CHARGE-OFFS>                                      76
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 354
<ALLOWANCE-DOMESTIC>                              354
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
        


</TABLE>