<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION
</LEGEND>
<MULTIPLIER>                                   1,000
                                    
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   DEC-31-1997
<CASH>                                           1,582
<INT-BEARING-DEPOSITS>                           9,019
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         100,283
<INVESTMENTS-MARKET>                            98,685
<LOANS>                                        269,660
<ALLOWANCE>                                        780
<TOTAL-ASSETS>                                 407,671
<DEPOSITS>                                     262,386
<SHORT-TERM>                                    38,500
<LIABILITIES-OTHER>                              4,721
<LONG-TERM>                                     61,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           225
<OTHER-SE>                                      40,779
<TOTAL-LIABILITIES-AND-EQUITY>                 407,611
<INTEREST-LOAN>                                  4,896
<INTEREST-INVEST>                                2,035
<INTEREST-OTHER>                                    74
<INTEREST-TOTAL>                                 7,005
<INTEREST-DEPOSIT>                               2,835
<INTEREST-EXPENSE>                               1,667
<INTEREST-INCOME-NET>                            2,503
<LOAN-LOSSES>                                      325
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,811
<INCOME-PRETAX>                                  1,406
<INCOME-PRE-EXTRAORDINARY>                       1,406
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       854
<EPS-PRIMARY>                                     0.45<F1>
<EPS-DILUTED>                                     0.43
<YIELD-ACTUAL>                                    2.69
<LOANS-NON>                                      1,068
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   465
<CHARGE-OFFS>                                       10
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  780
<ALLOWANCE-DOMESTIC>                               780
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1> BASIC EARNINGS PER SHARE
</FN>
        


</TABLE>