<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                          <C>
<PERIOD-TYPE>                                                               YEAR
<FISCAL-YEAR-END>                                                    SEP-30-1998
<PERIOD-START>                                                       OCT-01-1997
<PERIOD-END>                                                         SEP-30-1998
<CASH>                                                                     1,505
<INT-BEARING-DEPOSITS>                                                     1,182
<FED-FUNDS-SOLD>                                                             200
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               41,896
<INVESTMENTS-CARRYING>                                                         0
<INVESTMENTS-MARKET>                                                           0
<LOANS>                                                                   48,797
<ALLOWANCE>                                                                  127
<TOTAL-ASSETS>                                                            96,894
<DEPOSITS>                                                                60,225
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                          842
<LONG-TERM>                                                               25,850
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                 9,977
<TOTAL-LIABILITIES-AND-EQUITY>                                            96,894
<INTEREST-LOAN>                                                            3,571
<INTEREST-INVEST>                                                          2,487
<INTEREST-OTHER>                                                             309
<INTEREST-TOTAL>                                                           6,367
<INTEREST-DEPOSIT>                                                         2,922
<INTEREST-EXPENSE>                                                         4,143
<INTEREST-INCOME-NET>                                                      2,224
<LOAN-LOSSES>                                                                 12
<SECURITIES-GAINS>                                                            43
<EXPENSE-OTHER>                                                            1,516
<INCOME-PRETAX>                                                              805
<INCOME-PRE-EXTRAORDINARY>                                                   541
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 541
<EPS-PRIMARY>                                                                .63
<EPS-DILUTED>                                                                .60
<YIELD-ACTUAL>                                                              2.45
<LOANS-NON>                                                                   49
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             115
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                            127
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      127
        


</TABLE>