<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM  10-KSB  FOR THE  FISCAL  YEAR ENDED  SEPTEMBER  30,  1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1000
<CURRENCY>                                     US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-START>                                 OCT-01-1997
<PERIOD-END>                                   SEP-30-1998
<EXCHANGE-RATE>                                          1
<CASH>                                               1,435
<INT-BEARING-DEPOSITS>                               3,892
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                       328
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                                 954
<INVESTMENTS-MARKET>                                   945
<LOANS>                                             71,994
<ALLOWANCE>                                            307
<TOTAL-ASSETS>                                      82,634
<DEPOSITS>                                          73,554
<SHORT-TERM>                                           863
<LIABILITIES-OTHER>                                    847
<LONG-TERM>                                          4,627
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 4
<OTHER-SE>                                           1,866
<TOTAL-LIABILITIES-AND-EQUITY>                      82,634
<INTEREST-LOAN>                                      6,686
<INTEREST-INVEST>                                       63
<INTEREST-OTHER>                                       142
<INTEREST-TOTAL>                                     6,891
<INTEREST-DEPOSIT>                                   2,981
<INTEREST-EXPENSE>                                   3,417
<INTEREST-INCOME-NET>                                3,474
<LOAN-LOSSES>                                           79
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      3,870
<INCOME-PRETAX>                                        456
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           292
<EPS-PRIMARY>                                          0.5
<EPS-DILUTED>                                          0.5
<YIELD-ACTUAL>                                         4.8
<LOANS-NON>                                              0
<LOANS-PAST>                                           581
<LOANS-TROUBLED>                                       789
<LOANS-PROBLEM>                                      1,348
<ALLOWANCE-OPEN>                                       273
<CHARGE-OFFS>                                           75
<RECOVERIES>                                            30
<ALLOWANCE-CLOSE>                                      307
<ALLOWANCE-DOMESTIC>                                   307
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                307
        


</TABLE>