<TABLE> <S> <C>



<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   DEC-31-1997
<CASH>                                               1,058
<INT-BEARING-DEPOSITS>                               4,145
<FED-FUNDS-SOLD>                                     3,135
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                               5,750
<INVESTMENTS-MARKET>                                 5,740
<LOANS>                                             79,321
<ALLOWANCE>                                            189
<TOTAL-ASSETS>                                     101,331
<DEPOSITS>                                          76,390
<SHORT-TERM>                                         4,000
<LIABILITIES-OTHER>                                  1,025
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               139
<OTHER-SE>                                          11,394
<TOTAL-LIABILITIES-AND-EQUITY>                     101,331
<INTEREST-LOAN>                                      1,514
<INTEREST-INVEST>                                      139
<INTEREST-OTHER>                                       151
<INTEREST-TOTAL>                                     1,804
<INTEREST-DEPOSIT>                                     868
<INTEREST-EXPENSE>                                      61
<INTEREST-INCOME-NET>                                  874
<LOAN-LOSSES>                                           15
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        642
<INCOME-PRETAX>                                        252
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           252
<EPS-PRIMARY>                                          .13
<EPS-DILUTED>                                          .12
<YIELD-ACTUAL>                                        2.74
<LOANS-NON>                                            965
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       250
<CHARGE-OFFS>                                           76
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      189
<ALLOWANCE-DOMESTIC>                                   189
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>