<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000

<S>                                                                          <C>
<PERIOD-TYPE>                                                               YEAR
<FISCAL-YEAR-END>                                                    SEP-30-2000
<PERIOD-START>                                                       OCT-01-1999
<PERIOD-END>                                                         SEP-30-2000
<CASH>                                                                       437
<INT-BEARING-DEPOSITS>                                                     1,191
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                7,365
<INVESTMENTS-CARRYING>                                                     3,467
<INVESTMENTS-MARKET>                                                       3,543
<LOANS>                                                                   84,834
<ALLOWANCE>                                                                  235
<TOTAL-ASSETS>                                                           100,438
<DEPOSITS>                                                                70,758
<SHORT-TERM>                                                              18,650
<LIABILITIES-OTHER>                                                          715
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                10,315
<TOTAL-LIABILITIES-AND-EQUITY>                                           100,438
<INTEREST-LOAN>                                                            6,002
<INTEREST-INVEST>                                                            842
<INTEREST-OTHER>                                                             111
<INTEREST-TOTAL>                                                           6,955
<INTEREST-DEPOSIT>                                                         3,323
<INTEREST-EXPENSE>                                                         4,320
<INTEREST-INCOME-NET>                                                      2,635
<LOAN-LOSSES>                                                                 12
<SECURITIES-GAINS>                                                           603
<EXPENSE-OTHER>                                                            2,421
<INCOME-PRETAX>                                                              869
<INCOME-PRE-EXTRAORDINARY>                                                   585
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 585
<EPS-BASIC>                                                                  .47
<EPS-DILUTED>                                                                .47
<YIELD-ACTUAL>                                                              2.31
<LOANS-NON>                                                                  199
<LOANS-PAST>                                                                  24
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             213
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                  10
<ALLOWANCE-CLOSE>                                                            235
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      235



</TABLE>