<TABLE> <S> <C>


<ARTICLE>                                                             9
<MULTIPLIER>                                                      1,000

<S>                                                                 <C>
<PERIOD-TYPE>                                                      YEAR
<FISCAL-YEAR-END>                                           SEP-30-1999
<PERIOD-START>                                              OCT-01-1998
<PERIOD-END>                                                SEP-30-1999
<CASH>                                                            1,347
<INT-BEARING-DEPOSITS>                                              100
<FED-FUNDS-SOLD>                                                  1,402
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      39,662
<INVESTMENTS-CARRYING>                                                0
<INVESTMENTS-MARKET>                                                  0
<LOANS>                                                          52,790
<ALLOWANCE>                                                         139
<TOTAL-ASSETS>                                                   98,935
<DEPOSITS>                                                       66,220
<SHORT-TERM>                                                          0
<LIABILITIES-OTHER>                                                 462
<LONG-TERM>                                                      22,600
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<COMMON>                                                              0
<OTHER-SE>                                                        9,653
<TOTAL-LIABILITIES-AND-EQUITY>                                   98,935
<INTEREST-LOAN>                                                   3,748
<INTEREST-INVEST>                                                 2,543
<INTEREST-OTHER>                                                    191
<INTEREST-TOTAL>                                                  6,482
<INTEREST-DEPOSIT>                                                3,001
<INTEREST-EXPENSE>                                                4,211
<INTEREST-INCOME-NET>                                             2,271
<LOAN-LOSSES>                                                        12
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                   1,572
<INCOME-PRETAX>                                                     779
<INCOME-PRE-EXTRAORDINARY>                                          514
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                        514
<EPS-BASIC>                                                       .60
<EPS-DILUTED>                                                       .59
<YIELD-ACTUAL>                                                     2.35
<LOANS-NON>                                                          25
<LOANS-PAST>                                                          0
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                     195
<ALLOWANCE-OPEN>                                                    127
<CHARGE-OFFS>                                                         0
<RECOVERIES>                                                          0
<ALLOWANCE-CLOSE>                                                   139
<ALLOWANCE-DOMESTIC>                                                  0
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                             139



</TABLE>