<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  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>                                  9-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                              259
<INT-BEARING-DEPOSITS>                           31,948
<FED-FUNDS-SOLD>                                  4,508
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                           0
<INVESTMENTS-CARRYING>                            1,148
<INVESTMENTS-MARKET>                              1,148
<LOANS>                                         126,824
<ALLOWANCE>                                         255
<TOTAL-ASSETS>                                  165,696
<DEPOSITS>                                      104,832
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                               2,378
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                              0
<OTHER-SE>                                       58,486
<TOTAL-LIABILITIES-AND-EQUITY>                  165,696
<INTEREST-LOAN>                                   7,469
<INTEREST-INVEST>                                 1,457
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                  8,926
<INTEREST-DEPOSIT>                                3,750
<INTEREST-EXPENSE>                                    0
<INTEREST-INCOME-NET>                             5,176
<LOAN-LOSSES>                                         0
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   2,125
<INCOME-PRETAX>                                   3,146
<INCOME-PRE-EXTRAORDINARY>                        3,146
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      1,974
<EPS-BASIC>                                       .52
<EPS-DILUTED>                                       .52
<YIELD-ACTUAL>                                     4.20
<LOANS-NON>                                         303
<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>