<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>                                                                       269
<INT-BEARING-DEPOSITS>                                                     2,152
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               11,450
<INVESTMENTS-CARRYING>                                                     5,367
<INVESTMENTS-MARKET>                                                       5,566
<LOANS>                                                                   64,341
<ALLOWANCE>                                                                  196
<TOTAL-ASSETS>                                                            86,296
<DEPOSITS>                                                                65,797
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        1,466
<LONG-TERM>                                                                4,000
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                15,033
<TOTAL-LIABILITIES-AND-EQUITY>                                            86,296
<INTEREST-LOAN>                                                            4,814
<INTEREST-INVEST>                                                          1,092
<INTEREST-OTHER>                                                             199
<INTEREST-TOTAL>                                                           6,105
<INTEREST-DEPOSIT>                                                         3,219
<INTEREST-EXPENSE>                                                         3,315
<INTEREST-INCOME-NET>                                                      2,790
<LOAN-LOSSES>                                                                 42
<SECURITIES-GAINS>                                                           683
<EXPENSE-OTHER>                                                            2,089
<INCOME-PRETAX>                                                            1,371
<INCOME-PRE-EXTRAORDINARY>                                                   918
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 918
<EPS-PRIMARY>                                                                .68
<EPS-DILUTED>                                                                .67
<YIELD-ACTUAL>                                                              3.42
<LOANS-NON>                                                                  115
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             145
<CHARGE-OFFS>                                                                  0
<RECOVERIES>                                                                   9
<ALLOWANCE-CLOSE>                                                            196
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      196
        


</TABLE>