<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1
<CURRENCY>                                     US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                            SEP-30-1998
<PERIOD-START>                               JAN-01-1998
<PERIOD-END>                                 MAR-31-1998
<EXCHANGE-RATE>                                        1
<CASH>                                               952
<INT-BEARING-DEPOSITS>                             2,427
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                            0
<INVESTMENTS-CARRYING>                             1,047
<INVESTMENTS-MARKET>                               1,037
<LOANS>                                           67,113
<ALLOWANCE>                                          239
<TOTAL-ASSETS>                                    76,031
<DEPOSITS>                                        66,507
<SHORT-TERM>                                       3,700
<LIABILITIES-OTHER>                                  879
<LONG-TERM>                                            0
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            1
<COMMON>                                               2
<OTHER-SE>                                         4,942
<TOTAL-LIABILITIES-AND-EQUITY>                    76,031
<INTEREST-LOAN>                                    3,217
<INTEREST-INVEST>                                     33
<INTEREST-OTHER>                                      84
<INTEREST-TOTAL>                                   3,334
<INTEREST-DEPOSIT>                                 1,412
<INTEREST-EXPENSE>                                 1,595
<INTEREST-INCOME-NET>                              1,739
<LOAN-LOSSES>                                         29
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                    1,692
<INCOME-PRETAX>                                      275
<INCOME-PRE-EXTRAORDINARY>                             0
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                         275
<EPS-PRIMARY>                                       0.96
<EPS-DILUTED>                                       0.94
<YIELD-ACTUAL>                                      4.88
<LOANS-NON>                                            0
<LOANS-PAST>                                         135
<LOANS-TROUBLED>                                     808
<LOANS-PROBLEM>                                        7
<ALLOWANCE-OPEN>                                     273
<CHARGE-OFFS>                                         68
<RECOVERIES>                                           5
<ALLOWANCE-CLOSE>                                    239
<ALLOWANCE-DOMESTIC>                                 239
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                              239
        


</TABLE>