<TABLE> <S> <C>

<ARTICLE>                                                      9
<LEGEND>
                                                       (PAGE 21)
</LEGEND>
<MULTIPLIER>                                               1,000
       
<S>                                                          <C>
<PERIOD-TYPE>                                              3-MOS
<FISCAL-YEAR-END>                                    SEP-30-1998
<PERIOD-END>                                         DEC-31-1997
<CASH>                                                     3,896
<INT-BEARING-DEPOSITS>                                         0
<FED-FUNDS-SOLD>                                               0
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                              153,535
<INVESTMENTS-CARRYING>                                     5,068
<INVESTMENTS-MARKET>                                       5,114
<LOANS>                                                  126,985
<ALLOWANCE>                                                1,890
<TOTAL-ASSETS>                                           294,656
<DEPOSITS>                                               202,143
<SHORT-TERM>                                              16,600
<LIABILITIES-OTHER>                                        4,248
<LONG-TERM>                                                    0
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                      57
<OTHER-SE>                                                71,608
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<INTEREST-LOAN>                                            2,551
<INTEREST-INVEST>                                          2,680
<INTEREST-OTHER>                                              32
<INTEREST-TOTAL>                                           5,263
<INTEREST-DEPOSIT>                                         2,241
<INTEREST-EXPENSE>                                         2,425
<INTEREST-INCOME-NET>                                      2,838
<LOAN-LOSSES>                                                 54
<SECURITIES-GAINS>                                            19
<EXPENSE-OTHER>                                            1,348
<INCOME-PRETAX>                                            1,555
<INCOME-PRE-EXTRAORDINARY>                                 1,555
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                                 958
<EPS-PRIMARY>                                                .23
<EPS-DILUTED>                                                .22
<YIELD-ACTUAL>                                              4.02
<LOANS-NON>                                                  784
<LOANS-PAST>                                                   0
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                            1,998
<ALLOWANCE-OPEN>                                           1,889
<CHARGE-OFFS>                                                 57
<RECOVERIES>                                                   4
<ALLOWANCE-CLOSE>                                          1,890
<ALLOWANCE-DOMESTIC>                                       1,487
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                      403
        


</TABLE>