<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>                                                               157
<INT-BEARING-DEPOSITS>                                             2,463
<FED-FUNDS-SOLD>                                                       0
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                        8,544
<INVESTMENTS-CARRYING>                                             5,174
<INVESTMENTS-MARKET>                                               5,288
<LOANS>                                                           73,084
<ALLOWANCE>                                                          213
<TOTAL-ASSETS>                                                    92,437
<DEPOSITS>                                                        66,276
<SHORT-TERM>                                                           0
<LIABILITIES-OTHER>                                                  960
<LONG-TERM>                                                       11,000
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                               0
<OTHER-SE>                                                        14,201
<TOTAL-LIABILITIES-AND-EQUITY>                                    92,437
<INTEREST-LOAN>                                                    5,239
<INTEREST-INVEST>                                                    912
<INTEREST-OTHER>                                                     108
<INTEREST-TOTAL>                                                   6,259
<INTEREST-DEPOSIT>                                                 3,163
<INTEREST-EXPENSE>                                                 3,505
<INTEREST-INCOME-NET>                                              2,754
<LOAN-LOSSES>                                                         12
<SECURITIES-GAINS>                                                   518
<EXPENSE-OTHER>                                                    2,197
<INCOME-PRETAX>                                                    1,114
<INCOME-PRE-EXTRAORDINARY>                                           754
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                         754
<EPS-BASIC>                                                        .60
<EPS-DILUTED>                                                        .60
<YIELD-ACTUAL>                                                      3.16
<LOANS-NON>                                                           99
<LOANS-PAST>                                                          15
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                        0
<ALLOWANCE-OPEN>                                                     196
<CHARGE-OFFS>                                                          0
<RECOVERIES>                                                           5
<ALLOWANCE-CLOSE>                                                    213
<ALLOWANCE-DOMESTIC>                                                   0
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                              213



</TABLE>