<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     ANNUAL  REPORT ON FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>


<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           2,844
<INT-BEARING-DEPOSITS>                           2,262
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,221
<INVESTMENTS-CARRYING>                          33,299
<INVESTMENTS-MARKET>                            33,688
<LOANS>                                        174,733
<ALLOWANCE>                                      1,137
<TOTAL-ASSETS>                                 225,368
<DEPOSITS>                                     154,793
<SHORT-TERM>                                    26,700
<LIABILITIES-OTHER>                              3,851
<LONG-TERM>                                     15,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           228
<OTHER-SE>                                      24,796
<TOTAL-LIABILITIES-AND-EQUITY>                 225,368
<INTEREST-LOAN>                                 13,741
<INTEREST-INVEST>                                3,301
<INTEREST-OTHER>                                   165
<INTEREST-TOTAL>                                17,207
<INTEREST-DEPOSIT>                               7,586
<INTEREST-EXPENSE>                              10,216
<INTEREST-INCOME-NET>                            6,991
<LOAN-LOSSES>                                      265
<SECURITIES-GAINS>                                 202
<EXPENSE-OTHER>                                  4,134
<INCOME-PRETAX>                                  3,818
<INCOME-PRE-EXTRAORDINARY>                       3,818
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,364
<EPS-PRIMARY>                                     1.56
<EPS-DILUTED>                                     1.42
<YIELD-ACTUAL>                                    3.12
<LOANS-NON>                                        506
<LOANS-PAST>                                       182
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   969
<CHARGE-OFFS>                                      107
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                                1,137
<ALLOWANCE-DOMESTIC>                             1,137
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>